Your NYSC year is a unique window where your time is often more valuable than your current income, so I would strongly advise prioritizing upskilling and networking over micro-investments. Investing small amounts of your allowance won't move the needle on long-term wealth as much as acquiring a high-income skill that allows you to earn in a stronger currency or secure a global opportunity. Regarding the car, it is almost certainly a depreciating liability at this stage of your career; unless your daily commute is physically impossible without it, that money is better spent on certifications, a high-quality laptop, or subscriptions to professional networks. Focus your resources on making yourself highly employable globally, as the salary from one remote job will outweigh any small investment gains you could realistically achieve during your service year. Think of yourself as the primary asset you need to develop right now, and once you land that higher-paying role, you will have much more capital to aggressively fund your portfolio and achieve your financial goals.