Hi! I’m 22 and make around 60k a year gross. I have no company match but I invest 4% to a ROTH 401k every paycheck and i’m in sales so my take home can fluctuate but normal take home is around 3-4k. My rent is $1000, bills for the rest of my expenses come out to $1200-1500.
What would you change? What should my brokerage be invested in? Currently try to invest/save 1k a month
Current breakdown of investments
HYSA: 18k
Brokerage: 13k Currently have $11.2k cash as I plan to reposition and rest was in Webull which i’m down 11.5%
Roth IRA: 17k FTIHX 20%/FXAIX 80%
Rollover IRA: $7k VOO 50%/VTI 50%
Company Roth 401k: $5600 Target fund (can’t change