What should be my top priority now?
I just recently turned 24, and about 4 months ago, I got into a new construction *site electrical project engineer* position so my salary increased from around $98k/yr to about \~150k/yr which varies with overtime.
I started working with this company \~2 years ago right after I graduated (summer of 24') and I started investing later that year in November with one goal in mind, to retire earliest by 45 and latest by 49. Currently I have $46k saved in all my retirement accounts and $10k in my HYSA. With the new job position, the first thing I did was max out my 401k, next I will max out my HSA but after that, I'm not too sure where to go next.
Currently all of my investments are 100% into FXAIX and my 401K is at 12% contribution with a 6% match from my company. I had my 401K paused for a good portion of this year for some other personal financial reasons but then I slipped my mind and I didn't un-pause it again until 2 weeks ago, so that kind of stung but we're back and better now. Is 12% good or should I increase that some more again?
With the goal of early retirement, should I focus on building up my brokerage account over my HYSA or should I do more of a 50/50 split between the two? Are there any other accounts I should open/prioritize? I am currently trying to snowball down my Student loans and pay that all off by next year as well.
**Roth IRA:** $18K (*100% FXAIX*)
**401K**: $19.5K (12% contribution)+(6% company match)
**HSA**: $8.5K (100% FXAIX)
**Brokerage**: $25.00
**HYSA**: $10K (3.10% with Sofi)
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*Debts*
**Student loans**: $22,998.18
**Rent + Utilities**: \~$1100/month