I am 23 and I graduate in May and will be making 120-130k in Texas depending on bonus size. As of now I have about 31k in a ROTH IRA and 4.2k in a taxable brokerage account. However, of course when I start my job I my tax bracket will increase drastically. I plan on 100% maxing out a ROTH IRA and HSA, but I am not sure about the 401k. I would appreciate any advice. I also am entering a very fast paced but quick lucrative career field. Corporate banking. So I do expect to earn more quickly.