I am just starting to make money in my career, and I have played around with some investing and unsure what my next move should be. Here’s some stats about me:

1. Quite a bit of student debt that I pay off every month.
2. Investing very little in my Roth IRA and I own two index funds S&P 500 and SWTSX. I auto buy a share and auto invest every month.
3. I have about 30k in a 401b that I am going to rollover to an IRA soon.
4. Biggest financial goal is to own property. It would be my first place and I’d like for it to be an investment property.

So my questions are: 1. Should I pay off my student debt before I invest? Or can I do both? 2. Should I be investing more money into my Roth and different funds? 3. I am unsure what to invest my 401(b) into. My friend told me VGT. Should it be all VGT or should I consider otherfunds? What percentage of each? 4. Being a new home buyer in the future, how much realistically should I save for a down payment? I’m looking at $500,000 homes.

I appreciate all your advice and help!