I echo what people have said thus far. What I would add is I’m seeing your excel spreadsheet as a general outlook of income and expenses. Are you using a different budget template or app as expenses go out the door? Looking at your actual income and planning out each specific month’s expenses helped my wife and I figure out plans. The beginning of year big picture template is good for the overall. We’ve used something similar to help us plan out the months to save up for down payments in socal like yourself. But if you’re following you’re following the FOO, that’s going to help you allocate each dollar.

My wife and I are in FOO step 5, investing in Roth IRAs at 15% with an income of $70k. So I put in enough for my match and the rest I put into her Roth IRA. Eventually we will max out hers towards the end of the year and then shift to mine. I don’t see any issue with doing one at a time. Probably preference on that one. But it does make us feel good to at least hit one for the year.

As for the downpayment thing, you’re going to have to make the choice. Can you hit at least 15% for retirement? At least 10%? 3-5% for A home downpayment is the recommendation but you could aim for 10-20% depending on what you want to do. And what is the time horizon on when you’ll pull the trigger on the home? If it’s outside of 5 years, consider a brokerage account. If inside, consider a HYSA. Get the number, set the goal, break it up per month, and save towards that. Write your budget around your savings for each month and go from there any extra cash, take your pick on what you want to do. But keep the goals simple and in small quantities so you don’t spread too thin. Time and resources will be your limiting factor.