How to Improve

Mid 30's. Any advice appreciated. Brokerage is currently cash. DCA or lump? ||Balance|Annual| |:-|:-|:-| |457b Employee Contribution (Target Date):|$70,500|$24,500| |401k Employer Contribution (Target Date):|$30,000|$10,000| |Roth IRA (VT)|$7,500|$7,500| |Brokerage (VTI / VXUS):|$380,000|$10,000| |Checking:|$5,000|$40,000| |Savings:|$20,000|| |Tax/Insurance:||$35,000| HSA: working on it