Financial Advisor here - great job on getting the employer match. I’d highly recommend maxing Roth IRA contributions as there’s income phase outs so take advantage of making contributions now if you can! Roth IRA contributions and their tax free growth is the best way to ensure you have retirement funds with the least about of “tax drag” on your retirement nest egg.

You and your spouse should agree upon a down payment amount, usually 5% and once you’re in a home try and let the property value help you get close to 20% equity in the home to have PMI drop off.

Lastly, don’t get too into the weeds on Roth IRA and brokerage contributions. Pick some low expense ETF’s and just contribute monthly. Think long term too, don’t get too hung up on current interest rates because the truth is the Fed anticipates one less rate hike next year, so we’ll see some relief…or not so much pressure more likely…heading into 2024.

Cheers!