I’m 30 old, making $97k annually.
I have:
$40k in HYSA account;
$40k in 401k ( contribution to Vanguard Target Date 2065 - is it ok or should I change to Index Funds?);
$36k in Individual investments in VOO ( I keep contributing $100/weekly) ;
$12k in Roth, investing in VTSAX;
Please let me know how can I improve it as I’m pretty new to financial literacy and would appreciate any feedbacks! Thank you