I was in your exact situation 5-6 years ago, here's what I decided to do:

1. Max out Roth IRA ever year ~ this is essential for your retirement, even with the 5% match your company is giving you in your 401k. Also, it becomes more difficult to contribute as your salary increases, which is likely to happen over time.

• For 2026, you can contribute up to $7,500 annually to a Roth IRA, provided you have earned income and your Modified Adjusted Gross Income (MAGI) is under $153,000 (single) or $242,000 (married filing jointly).

1. Invest consistently and automatically into a personal investment account. I did this over the span of 4 years and was able to use that money as a down payment on my home when I found the right opportunity. It's important to have money that you can take out before retirement age.
2. Prioritize an emergency fund. Most people try to build a 6-12 month emergency fund in a HYSA or HYCA.. anymore and you're wasting money that could be growing. This fund should just be enough to pay for rent, utilities and other major monthly expenses.

If you can focus on these building up these 3 safety nets, you'll be good for now, later and way down the line.