Just got a new job with a 115k base salary and my OTE for year one is 300k. I'm not sure what to do first and then next.

Step 1 Create a budget: done

Step 2: Build small emergency fund: done

Step 3: Contribute enough to get employer retirement match. My employer does not offer a retirement match.

Step 4: Any high interest debt? $1,561 high interest credit card debt. This is in my partners name where I'm an authorized user. This is joint debt. She's okay with using gig app work to pay this off. I can also knock this out with my second paycheck.

Step 5: Increase emergency fund to 3-6 months. This will already be done after my first check in four days.

Step 6: Any moderate interest debt? I have some student loans that hover around 4%. The highest one is below 6%.

Step 7: Evaluate the merits of a Roth vs Traditional IRA. Since I'll be making so much I'm not sure which one will be a better fit. I'd rather pay taxes now and have an account I can borrow from to buy an investment property with. Which is the best way to go?

Step 8: Any large required purchases or personal investments in the future? Yes, I'm in university and that costs about $4k per term (1 term= 6 months). I have about five terms left ($20k) if I don't accelerate through the program as I'd like to. Should I put this money into a 529 account instead of a 401k? I can always take out student loans or gig app work to pay for school. However, my goal is to buy a multi-family real estate investment property this year in my name alone. The personal finance flow chart says put that money into a checking account, but a 529 seems to perhaps make more sense in saving for school. Where should school money go? Should I just gig app work for this money? It would mean driving ten nights per month doing gig app work. IMO not a big deal.

Step 9: Am I saving 15% for retirement? Not yet. I only have about $4,333 in my retirement account as I've just started saving for it. I would however like to FIRE asap. My thoughts are doing this through buying multifamily real estate properties so eventually I don't need to work a day job and can just focus on real estate investing. Should I max my 401k and IRA as far as possible before investing in real estate? Should the majority of my check go to this before I start saving for real estate?

Step 10: If self employed contribute to a SEP-IRA or SIMPLE IRA. What's the difference here? My rental real estate income counts in that category so does gig app work. I've also heard about self directed IRAs and I'm not sure how to start one of those or the advantages of one.

Step 10: Contribute to a HSA if eligible. I have a low deductible health plan.

Step 11: Save for kids college. I don't have kiddos and don't plan on this. My one dog is enough at this moment.

Step 12: Would you like to retire early? Of course, that's why I'm here. Consider a mega backdoor IRA. What is that and how would I take advantage of one? Why not invest in real estate instead of index funds?

Long term goals:

-Aquire ten multi-family real estate properties in the next 19 years. I think I might be able to do this much quicker. Where's a good place to get a mentor for this? I am a member of the Bigger Pockets community.

-FatFire! Is it best to do this through index fund investing, real estate, or a mix of both? My science teacher once said that real estate will be a much safer long term investment with global warming (supply chain issues) and war in the picture.

-Launch a SaaS product aimed at real estate investors. Not sure on how to get started on this one. I just started to code the project last night. Where's a good place to get a mentor for this?

TLDR: Multiple questions on where to put my money and how to reach my long term goals the fastest.

Thank you for reading my post. :-) I appreciate your thoughts and comments that are helpful.