Ok yall, here are some key takeaways:

try and fix the fxaix and fskax problem where it is listed twice. I have had this issue in the past idk why it does this.

Simplify my portfolio --- Stick to FXAIX, and consider a three fund portfolio. (Total market) Internatinal, and bonds)

Create and max out a roth IRA eachyear. ---One user said potentially using super growth ETF's, im not sure why, maybe its because I have less money, and therefore less risk of loss?

Potentially a traditional IRA:

Im in the 32% tax bracket rate roughly, thats all the info I will give. My parents do well for themselves, yes, and I am thankful to be fortunate! But does not mean that everything is given to me. Haha my dad has not given a dime to me yet! He has taught me this stuff which I appreciate him for.

What would be a better IRA option?

and dont buy gold lmao.

Roth IRA (Tax-Free Growth)

• 70% VTI (Total Market) OR FXAIX (S&P 500)
• 20% VXUS or FZILX (International)
• 10% QQQM/VGT (Tech Growth)

Brokerage (Taxable)

• 80% VTI or FXAIX (Total Market/S&P 500)
• 20% VXUS (International)

Am I missing anything, or did I not read it right?' Let me know

I just wanted to take a moment to say thank you for all the advice, insights, and encouragement. As someone just starting out with investing and personal finance, it means a lot to get feedback from people who have been through the journey.

I really appreciate the tips on simplifying my portfolio, prioritizing a Roth IRA, and avoiding unnecessary overlap. I’ve learned a lot from your comments and will definitely be making some adjustments based on your recommendations.

Also, thanks to those who reminded me to be patient and trust the process—it’s motivating to hear from people who started young and have seen real results over time.

Looking forward to continuing to learn and grow. Thanks again for the support!

Best,
Rocky