u/DG12212

I am 21- I have maxed out my I’ve turned 18. I have 35k in a ROTH IRA and 53k in a taxable brokerage account. My goal is to not touch these accounts.

I currently have 7200 in a HYSA which I want to build for a down payment on a house down the line. I also have about 1000 between a regular checking/savings. This simply covers things such as gym membership, phone bill, streaming service (these are my only expenses).

I have a 1099 work from home job that pays around 640ish per week. I also just graduated college on a full scholarship and have no debt. My degree is in teaching and will be starting full time in the fall. I expect to be making somewhere between 55-65k per year once the fall starts in addition to the 30k from the part time work from home job.

Am I overly invested in retirement accounts? Between the Roth IRA, taxable brokerage, and then a pension that comes with teaching in the Northeast, I’m not sure if I’m being too hyper focused on the future.

Any thoughts? Thank you

In my taxable brokerage account in Fidelity, I am invested entirely into FXAIX. However, I have heard that VOO would be more efficient for tax purposes? Was it a poor decision to be invested entirely into FXAIX?

I hear a lot about whether or not a 403b is worth it and I’m sure it varies from district to district.

For context, I am just starting out as a 21 year old teacher in the fall in Massachusetts. In addition to the pension system, I also have a ROTH IRA that I plan to continue maxing out each year.

Given this, is it worth it to have a 403b? I hear a lot about higher fees make it not worth it.

Can anyone share some insight with this?