What would you do at 22?

[Craig Moore]

Hi BP,

I'm new to this site and though I've seen this question asked several times before I figured I could offer some new questions and get some new perspectives/experiences.

What would you do if you had $20k at age 22 (with what you know now; or are 22) in terms of real estate investing? Consider these facts/characteristics:

Bostonian, $9K in student loans, no rent expenses currently (living at home), not a really a spender (1 pair of sneakers and 2 jeans for contrast), living off of $200 every paycheck and fully employed with a salary.

My goal is to have 80% of my portfolio filled with rental properties while leaving the other 20% for capital projects. So I ask, given the description of the scenario (that I am in) that you'd be in with what I described, how would you spend your $20K? 

I am a huge reader so I've come across many terms but am in no way on the advanced level. Thanks in advance for your answers!