For background I work in financial planning so this is mostly to see others inputs and not be in my own “box”. Not sure why it feels weird looking at my own finances vs a clients - probably the large NW and age disparity.
Anyway, currently 25 years old and got my first car 2 years ago. Parents helped with the down payment but I still had an 18k loan at 6.99% for 60 months. 23 months and some change has passed and the car is officially paid off as of today. This feels surreal.
I have student loans (30k) but the blended rate is <4%. I do want to propose to my gf soon so that will be the next “savings” goals. However, I always want to diversify what my savings go towards now that this hurdle has been cleared. Currently averaging about $800/mo in savings with a nice raise set to start soon which will put me around $1k/mo in savings.
Currently doing 6% into a Roth 401(k) which gets a 5% match into a traditional 401k + profit sharing. My thought is $500/mo to HYSA to save for a ring, home, rainy day, etc. Then split the remainder equally between a taxable brokerage and a Roth IRA. This would put me at $2k in the Roth IRA within calendar year 2026. Obviously could just do the full amount into the Roth instead - what would you all do?