I’m 22 years old and just transitioned from an internship to a full-time Software Engineer role making $85k a year in a low tax state. I currently have $12.3k in a brokerage account invested entirely in FXAIX, and I’ve been contributing $100 per week to that account. For my retirement strategy, I have set up my 401k with a 6% pre-tax contribution and a 3% Roth contribution, though I need to be with the company for a full year before they start their 50% match on the first 6%. My immediate goal is to max out my Roth IRA for the 2025 tax year before the April deadline and potentially start on 2026 as well. I’m looking for advice on whether I should stay the course with the long-term index fund approach or if it makes sense to be more aggressive and "play" with a portion of my money given my age and career path. I’m also wondering if I should prioritize increasing my 401k contributions further or if I should focus entirely on the Roth IRA and tax advantaged accounts before putting more into my taxable brokerage. I’m open to any feedback and advice!
Thanks in advance.