u/Dry-Path9819

Here is what I’ve came up with let me know your thoughts.

55% VOO

20% QQQM

10%VXUS

10% AVUV

5% AVDV

My current Roth investment setup

I have been going in in

SPYM

QQQM

Occasionally SCHG

Individual investment

50% voo

20% qqqm

15% SOXQ

10% nvida

5% AvUV

Should I add voog instead of nvida? Or should i simply it down to 2-3 ETFs?

Invest

I want to have be a millionaire by 40.

I just turned 23 years old. I went to trade school and was lucky enough to land a very well paying job that most people retire from once they get in.

My base salary is $94k a year without any overtime. I’m aloud to work 8 hours of overtime on Saturdays and occasional Sundays that’s are double time. Obviously I work as many as possible. So after OT, yearly I’m at like $115,000.

Here is how I divide my money each time I get paid

About $2500 each paycheck give or take

$1,000 HYSA

$290 Roth

$300 individual stocks

$50 student loan

$185 bike payment

$26 gym membership

$200 rent

$100 CC payment

(I put 15% into my 401k 8% Roth 7% pretax)

That adds up to about $2,151. The rest goes to groceries, gas and entertainment like going out to eat or other things.

Where I stand

HYSA- $18,500

Roth- $11,500

401k- $28,000

Mutual fund I’ve had since birth- $15,000

Personal investment- $1,000 (just started doing this)

Debt

$6k student loan

$19k bike payment

My main goal is to buy a house in the next 5 years. A house is between $350k- $800k in my area as of right now.

My girl is going to be done nursing school in 3 years as of right now and can expect her to make around 60-80k when she graduates.

I invest my money into things like VOO, QQQM, SPYM, SCHG, SOXQ.

Right now I’m just throwing money into these investments and hoping. Is there anything I should try working towards first? Is my goal unrealistic?

My parents were terrible with money which makes me not want to be like them.