For some context I am 24, currently living with family rent free (extremely thankful) and my only debt is about 20k for my car @ 3.9%. I make 90k and get a yearly 5k bonus.
Here is my savings/investing breakdown
401k - 16% and a 6% company match - $21k balance all in fidelity 500 index
Roth IRA - $650 a month till max - $13k balance all VOOG
HSA - on track to max for single person this year - $4.6k balance
HYSA - 400 a week (just started this this year) - $5.8k. I want to grow this for emergency fund and house down payment.
Brokerage - not currently depositing into this. But it has around 2.2k sitting in VTI
Checking/saving - around 5k. This is for all monthly
spending, car payment, insurance, phone, etc.
I also have a 529 that was transferred to my name with around 17k in it. Not going back to school and not sure if I can Roth convert since a beneficiary change reset the account age.
Should I keep up with this current rate? Or let up a little bit to grow my house down payment fund? I want to retire early, at 45 I want to work part time.