u/Ghost_Potato39

I just got this game and play with my brother and nephew who have had it for a while. We just play us but I can’t come close to beating his Valkyrie. I don’t have many high cost/performance cars yet but have about 2.5m credits. What can I buy (besides the Valkyrie) to beat him or at least make it fun?

M (33) currently I have about $49k in my Roth IRA and $8.5k in my 401k.

History, I stated a new job a year ago and never had a 401k before and I just broke $100k salary. I know I should have 1x my salary by now, but I am just over .5x. How worried should I be?