I'm 26 and got a new job last April with $80K salary/year; \~$4.7k/month take home
Split 2025 contribution 50/50 trad/roth, invested in 70% domestic/30% international funds each; I'm in the 22% tax bracket and was unsure of which to contribute more to, trad vs roth
I want to contribute the 2026 $7.5K max early so I can set and forget to focus on saving for moving out/potentially opening a brokerage account to continue investing (no HSA offered through health insurance plan)
Fidelity 401K \~$27K total value
Rollover IRA \~$13k (no 401k offered through current workplace, rollover from previous job)
Roth IRA \~$14k
Current Assets:
Checking account: \~$15.5K
Savings 1 at 3.4%: \~$13K
Savings 2 at 4%: \~15k
No student loans/CC debt (gets paid in full each month)
Only recently opened Savings 2 due to previously having \~$25K in checking doing nothing, so moved $15K to a higher interest account; Savings 1 exists due to having CC with same company
Current goals include saving to move out (lowest nearby rent is \~$1.6-1.7k/month) and continuing to invest in retirement or save for future purchases like getting a newer car
I can easily put away $1K (\~20% pre-tax) into savings/month, but was wondering if I should open a brokerage to invest more as I have limited retirement funding options.
Thank you for reading and looking forward to reading advice/responses!