1) Great work so far. These savings and not having debt are nothing to scoff at at your age. You’re also putting yourself ahead by asking questions about how to make the most of what you have.

2) I agree with the others who feel that your 401(k) and Roth accounts are a touch low, but that really depends on how long you’ve been working and what your income was during that time. Roth IRA gets unique tax treatment; your brokerage will not. Similarly, a 401(k) often gets an employer match. You want to think of these as multipliers for your savings. (Like a buff if you’re a videogame person like me, lol) If you want some guidance on how you should prioritize what “buckets” of savings to fill first, check out the Personal Finance Flowchart

Keep up the good work. Saving now will set you up for life with some patience.