u/Jazzlike_Medium_2337

I'm 28 and currently making $52k/year working in accounts payable while living at home with my parents. I've been saving up for my own place, but it's almost impossible to afford to buy anything in Central or Northern NJ as a single person with this salary, even with the amount of money I've saved so far. I have about $75k in a HYSA, which I know is a lot to keep in a savings account, even though it earns interest monthly. The reason being is that I want to make sure I have a good amount saved for a down payment, purchasing a new car within the next few months, and whatever I may need for closing costs, moving costs, and general essentials for living on my own. In addition to the $75k in the HYSA, I have about $4k in my checking account, $32k in my Roth IRA, $10k in a brokerage account, and about $5,700 in my Robinhood account, so around $127k total between all of my accounts. I feel behind since I thought I'd be living on my own by now and also making more money at this age. I'm definitely looking to get a better paying job as either a junior or staff accountant sometime later this year or at the beginning of next year at the latest. Looking for advice on how to handle the money I currently have and how to potentially make more either through my career or investing. Thanks in advance!