🔺 r/personalfinanceuredzzzaw·34 days ago
[NY] Just checking that I invested everything properly. Does this setup look right?
I’m 25M, single, no debt, and my main job pays about $97k/year. I also have a side job that brings in around $2k/month ($24k/year), so total gross income is roughly $121k/year. My monthly expenses are roughly: $2,400 rent (It's actually around $4800 but I have a roommate so its halved) $300-400 food ~$200 electricity Plus normal smaller expenses I had around $100k sitting in a HYSA because I didn’t really understand investing, but I have now made the changes. Here’s what I did: 401(k): I have about $10,000 in my 401(k), and I increased my contributions significantly to 67% so I can hit the $24,500 employee maximum for 2026. It’s invested in a low-cost S&P 500 index fund, and I’m getting my employer match. Roth IRA: Contributed the full $7,500 for 2026 and invested it in VTI. HSA: Set it up to hit the $4,400 2026 limit, including my employer contribution. I’m keeping the required $1,000 cash balance and investing everything above that 80% VTSAX / 20% Vanguard Total International Stock Index. I also set up automatic investing and annual rebalancing. Taxable brokerage: Moved $70,000 from my HYSA to Vanguard. I’m investing $52,000 in VTI and $18,000 in VXUS. Emergency fund: I’m kee…