I live a frugal lifestyle, and developed a habit of saving and keeping my expenses minimal early on. In the last year, I realized that I had saved close to 100k in regular savings accounts earning next to nothing all this time, so I’ve since transferred majority of my savings to a HYSA. I also learned about Roth IRA, recently opened one and maxed it out for 2023. Trying to get on the right track with investing.

My main goals are to reach FIRE, or get to a point where I can just work part time as needed and dedicate more time to hobbies/travel. I’m not a big spender, but have increased my discretionary spending as of late since I realized I can definitely afford it. Some goals for next 2-5 years - buying first home or renting somewhere with more space which would likely increase my rent by 2-3x, get married/wedding, and other spend funds for travel, concerts/collectibles, and supporting family. Haven’t decided if I want kids, but that could also be something to take into account.

Emergency funds: Yes, 6 months – in HYSA earning 5% APY Debt: No debt. Tax Filing Status: Single Tax Rate: 12% Federal, 0% State State of Residence: Texas Age: 30 Portfolio size: ~162k Expenses: ~$2000 monthly

Current assets:

Cash (58%) - 94k 12% - 20k – CD at 4.95% APY 23% - 36.5k – CD at 4.75% APY 14% - 22k – HYSA at 5.05% APY 9% - 15.5k – regular savings accounts

Traditional 401k at Voya (37%)-- 37% E475 Voya Index Solution 2060 Portfolio - Service 2 Class (ER: 0.70%) Company match? No, but it’s a SafeHarbor Plan so they give 3% regardless of how much I contribute.

Roth IRA at Fidelity (4.5%)-- Fidelity total US

New annual Contributions-- $12,750‬ (25% of gross income) - 401k 3% employer safeharbor $7000 - Plan to max out Roth IRA by end of year $xx taxable (Plan to open and set up taxable brokerage in Q1 of 2025 after feedback from here)