28m

Associates degree in STEM

Grossed $187k last year.

My expenses are pretty low. I’m basic and don’t really shop or go out that often unless I’m with my girlfriend. We do eat out more than we should and like to try nice restaurants often. We also travel once or twice a year.

Money has become my biggest stressor, especially after seeing my parents and how they will never retire.

I’ve never budgeted but I was able to pull these numbers based off my CC spend analyzer. I do not pay rent or a mortgage.

Avg Monthly expenses:

$600 - car
$350 - car insurance
$200 - gas for car
$50 - phone
$600ish - food and grocery
$160 - food and medication for dogs
$1-200 random
$200-350- therapist

I try to put everything I can on my quicksilver card. Not the best CC but it’s what I have. I’ll look into better ones after I get a mortgage.

Finances breakdown:

Cash:

114k in a HYSA

Hopefully going to buy a house with 20%+ down this summer is why I’m so cash heavy.

Investments:

HSA:
11k in VFIAX
Company gives me $1500 a year free towards it and I max the rest.

Roth IRA:
27k in VOO

Brokerage:
7k in VOO
2k in NOK

401k:
88k

Mix of :
Blackrock EAFE equity index (20%)
Blackrock Russell 2000 (12%)
Vanguard 500 inst index B (68%)

I used to contribute Roth when I first started but eventually switched to pretax. I believe 15k or so is Roth.

Currently contributing the yearly max pretax to the Vanguard 500. I control my 401k myself, because when I let them manage it, they had me like 5% in bonds, and I was mostly in those Blackrock funds underperforming the s&p, which I didn’t like. There are not many options within our plan, just the ones listed as well as simple bonds and money market. We do however have the option of transferring to a self directed brokerage which allows you to trade whatever you want afaik. We do get a decent match at I think 5.6% or so. We also have a pension that comes out to 30% of yearly pay after 30 years.

Obviously all my eggs are in one basket via the S&P500, however it has made me pretty good gains over the last 2.5 years I’ve been investing, but I realize I need to learn more and do more, especially diversifying.

I feel like I have no idea what I’m actually doing besides VOO and chill. I approached an Internet friend when I first got started and he gave me a basic run down of how it all works. Up until that point, I thought the stock market was basically a gamble and had no idea how ETF or mutual funds worked.

I understand I’m incredibly ahead of most in this world, having done all this in 2.5 years, but still feel so behind and like I can do better and have much more to do.

Wtf do I do from here?