but can talk about security (actually, I'll never feel truly secure--the world and events take over)
Can’t comment on the emotional security, you obviously know why; but regarding financial security I always recommend the stock market for people who are starting young. Bond and cash in retirement are appropriate. You can build generational wealth by investing early, keeping a regular income, whether job or business, and being consistent.
It sounds boring but this is the only simple system that works. The length of time is always on your side if you start early. That is what I tell the young people starting in the workforce now.