u/2ForYourM2

I'm kind of second guessing my financial strategy having looked at the gains in the market the past few years. Generally I am risk averse but I worry that I may be too risk averse. I feel like I'm maybe leaving too much in my HYSA? I'd potentially like to retire early but I'm also a big fan of using my money to generally better my life in the moment. Home ownership is a nice idea but probably not tenable unless I found myself in a dual income situation. Car is paid off, RIRA is maxed. Found myself making a lot more money (salary from $70k to $120k 8 months ago). Generally good stuff. I know I'm not behind but, I also feel like I'm just not being optimal. Where do I go from here?

For context:

• 31 years old, single income, renter. HCOL.
• Salary: About $7,000/mo net.
• Monthly Expenses: Budget $3,300, usually hover around $4,000.
• HYSA: $50,000
• 401k: $97,000 (I do enough to get match)
• RIRA: $67,000 (Schwab Target 2055)
• Brokerage: $43,000 (Mix of a few individual stocks and total market fund 30%/70%)