u/AdventurousGas1435

Hi everyone!

I’m 28 and make about 125k a year. I live in a HCOL and tax area so my biweekly take home is around 3000 prior to any contributions ( just taxes)

My total bills for the month are about 2K give or take which I save 50/50 for each paycheck.

My job matches a dollar amount (1k/ year for the first 2 years then 2k a year year 3-4 etc). I’ve been here 2 years.

I currently contribute 5.5% to 401k and 5% to my Roth IRA (apparently it’s a Roth 401k because it’s through my job as well? Idk) and I contribute 600/ check to my HYSA emergency fund

I just don’t know how to optimize. I hear conflicting information and even in this sub because OFCOURSE it’s not one size fits all but I am just feeling like I’m not doing enough at all.

I have friends discussing brokerage accounts and bonds. People telling me to only contribute to 401k match wise and the rest to open my own Roth. Told to max both. I just am not sure properly how to navigate. I’m about to be making 132k a year so I’ll have slightly more money but not enough I believe to make a major difference

Just here to see if there’s any advice

I’ve only made 3 items using yeast since I’ve started my baking journey!

Bagels
Hamburger buns
Cinnamon rolls

The cinnamon rolls are amazing but I’m assuming it’s because they’re so sweet. The bagels and buns were good.. but they tasted like yeast, at least the after taste

I always use one packet (2 1/4 tsp) of yeast cause that’s what most recipes call for and I proof it as the recipe calls too! 45min-1hour yet both of these items have that beer/ yeast taste after baking