28M – Net Worth Update ($250k → $340k → $513k). Looking for advice to optimize further
Hello everyone,
I’m 28M and have been following this subreddit pretty religiously. Really appreciate the knowledge and perspectives shared here. I wanted to share my financial journey and get feedback on how I can improve further.
Edit: Title is misleading it is 533k not 513k
Current Net Worth: $533k
Assets – $533k
• Cash: $5k
• 401k: $191k
• Home Equity: $67k
• Individual Brokerage: $165k
• Roth IRA: $73k
• HSA: $10k
• Car: $20k
• Misc Accounts: $1k
Liabilities – $0.5k
• Credit Cards: $500
Net Worth Progress
• 2023-2024: $250k
• 2024-2025: $340k
• Current: $513k
Year-over-Year Growth
• $250k → $340k = +36% growth (2024)
• $340k → $533k = +56.8% growth (2025)
Overall, that’s more than 2x growth (~105%) in ~2 years, which I’m grateful for.
Stretch Goal: To reach 1M$ by 30
Questions / Advice
Am I too heavy in retirement accounts vs taxable brokerage?
Should I be doing anything differently at this stage (~$500k NW)?
Any strategies you’d recommend to accelerate toward $1M?
Would you adjust asset allocation given current market conditions?