u/ExistingRelative3396

Hey everyone. I recently graduated and just landed a role making $52,000 a year. I know the salary isn't astronomical, but I’m incredibly fortunate to be living at home right now with zero rent or major overhead, so my "keep rate" is very high. (My job is also paying for my Master's degree, so I will have zero graduate debt).

My goal is to aggressively front-load my investments while my expenses are practically zero. I want to save/invest between $2,100 and $2,500 every single month.

Current Assets:

• Checking: Minimal (just living expenses)
• Taxable Brokerage: $8,000 (starting balance from past savings/gifts)
• Debt: $0

My Target Goals & Allocation Plan: I want to automate my paychecks to hit the following milestones:

1. Emergency Fund: Build up a High-Yield Savings Account (HYSA) to $5,000.
2. Roth IRA: Max it out for the year (invested in broad market index funds like VOO/VTI).
3. Taxable Brokerage: Funnel the rest of my monthly savings here to build up a mid-term wealth/house down payment fund since I'm already maxing the Roth.

My Monthly Breakdown (Roughly):

• Estimated Take-Home (After Tax): ~$3,500
• Total Target Savings/Investments: $2,100 - $2,500
• Remaining Cash : $1,000 - $1,400 (Gas, food, subscriptions, helping out parents, dates)

My Questions for the Sub:

1. Is prioritizing the Taxable Brokerage after the Roth IRA the smartest move here, or should I be slamming more into a Traditional 401(k) to lower my taxable income, even though my tax bracket is already pretty low?
2. Is a $5k Emergency Fund in a HYSA enough for someone with zero rent, or should I hold more cash?
3. Should I focus on a HSA my companys offers one
4. any other advice

Thanks in advance for the advice!

Hello I want to see if increasing my credit line will have any cons ? Especially if I haven't reached my 1 year mark.

New Grad Job that pays for masters

So recently, I just landed a data analytics role at my University that I graduated a week ago. I graduated with an MIS degree. The pay will be around $52,000. At the University, they will offer free master's degrees, so which master's degree in information systems works best for me? Should I do an MBA or a master's in information technology? Also, is 52k a good start for a new grad MIS major or new grads overall?

So recently, I just landed a data analytics role at my University that I graduated a week ago. I graduated with an MIS degree. The pay will be around $52,000. At the University, they will offer free master's degrees, so which master's degree in information systems works best for me? Should I do an MBA or a master's in information technology? Also, is 52k a good start for a new grad MIS major?