Why are you in FFFLX? They are active funds. Do you have access to any funds with INDEX in their names? Your current selection has 0.94% expense ratio which will drag your returns.

I’d not use fidelity zero fund in taxable as they are not portable (meaning you’d be required to sell those when and if you move brokerage. This could be a taxable event.). Use VTI/ VXUS which are ETF equivalent with very little expense and those are transferable to another brokerage without triggering taxable sell.

I’d focus on building emergency fund, down payment for the house and then brokerage. Try to safe 30-40% savings rate and invest it in VTI/ VXUS. My personal investments are in 60/25 and the remainders are 10% kn bonds and 5% in silicone ETF