Main objective for getting on here today is to get some input on my current "finances" track, and any advice/suggestions on how to best position myself for my future goals.

*** Background Information **\*

$75,000/year (single income)
Net Paycheck ends up being around ~$1948 (after tax, 401k contribution, and benefits) with the new 401K contribution it would be $1,799 (I believe)
Single Tax Filing (23 years old)
Savings: $9,000 ($6,000 in a High-yield Cash Account @ 4.5% APY and $3,000 in checking account.)

Debt:
Student Loans - $10,602 (Original loan was $27,000, paid off about $17,000 since June 2023)

• $1,478 @ 4.28%
• $4,145 @ 2.5%
• $4,958 @ 3.48%

Investments:

• Traditional 401k: $4,000 (no employer match right now) I currently put in 6% of my paycheck (However, I just bumped that up to 16%)
• Roth IRA: $14,325 (Started last year total contribution is at $12,000) (VTI/VXUS 70/30 split)
• Taxable Account: 8,200 (VTI/VXUS 70/30 split) (I will be slowing down contributions to this since I increased my 401K contributions)
  • WeBull: AMC to the moon :/ (bought back in my younger years, and at this point, it is not worth selling at a loss.

Expenses:

• School Loan: $200/month (minimum payment: $134)
• Housing: Living in parents house paying $500/month
• Groceries: roughly $400/month
• Vehicle: Got lucky and was able to buy my parents car as they moved to another country. So only paying for gas occasionally. (I usually ride with my brother if I am going places)
• Subscriptions: Phone line $29/month, and Spotify $11.99/month

Misc:

I use M1 finance for my investing/savings platform, I have it set up so that every paycheck 50% of it goes directly to my investing account and the other half goes to my checking account. (So each month it would do -> $500 to Roth IRA, $1,000 to taxable, $100 to emergency fund, and remaining to Savings account)

I will need to adjust the contribution to my taxable account to maybe $600 or $500 which should leave about $400/500 dollars to savings each Month. I don't know if I would want to stop contributing to this at all, maybe next year and I can take that investment and up my 401K to 30% (which would max it out at the end of the year)

I can't live in my parents house forever (probably a year or two more), so I am saving up to move out (looking for a duplex at least)