We have a very similar situation as I am almost of the same age and have a small capital. Personally I do yield farming on Puncakeswap with APY about 50% in BNB-Cake and on quickswap with APY 70% (matic/usdc). It is said, that those, who don't have big money, should invest their time, so it is good that you learn how to investigate this market. I get experience by participating in Airdrops and ambassador programs.