I turned 40 earlier this year and worry that where I am is behind where I should be. Long story short, I had to divert attention from myself to help out my family for the better part of the last 5–6 years. I feel like I am starting to come out of it and really want to focus on bettering myself while I can. This is a snapshot of where I am, and I'm curious about what I’m doing right, wrong, or need to start doing:

Annual Salary: $187K base
I rent in Manhattan but own an investment property out of state that my family currently occupies. Given the situation, they don’t cover the full living expenses, but I usually recoup around 70% of it per month. Rent in the city is low and split with my partner.

Savings:
$90K in a HYSA with an additional $5K in a standard savings account. My goal, which I think is achievable, is to grow this to $110K by the end of the year. Yes, I know that’s a lot to carry in cash, but 1) I work in a volatile industry and need to have a significant safety net, and 2) best case scenario, this cash grows into a down payment on a second home.

Retirement:
$375K in a 401(k) with a $1,400 per month contribution and a 6% employer match. Probably the one good move I made was opening this up when I was 22.

Investments:
$8K in a taxable brokerage (70% VOO; 20% VXUS; 10% VTI). I know this is probably way lower than it should be, but I made this a priority this year since opening the account in January. My goal is to get this somewhere between $12K–$15K by the end of the year.

Debt:
I don’t carry significant credit card debt (<$1K, if that). Student loans are recently paid off, and I have no car or personal loans. My only real debt is the mortgage I carry.

The biggest gap I see is lacking a backdoor Roth. For context, I didn’t grow up with a lot and have seen the impact of bad financial planning, so I am consistently paranoid and likely struggle with some money dysmorphia. Those who saw bad finances around them as a kid, that fear of going back never leaves you.