You don't think your budget will support it. Until There's no reason for an inheritance or some other source of sudden wealth to overwhelm you. Then, while your money is stashed in a safe place, probe, question, and think through your options. Push your introspection to include everything from prospects for marriage to visions of retirement. There are savvy investment techniques that work well for most people, such as investing for the long haul through an equity index mutual fund.
Fees are razor thin, and they outperform most professional money managers year in and year out.
The combination of your ability to take financial risk, coupled with an appreciation of the risks inherent in a particular investment strategy, should inform your judgments.