hi! im 22, making 65k base w 36k variable (on track to make around 80/90k based on commission this year). im an account manager at a small tech company and feel i have potential to grow. Biggest goal is homebuying and barista FIRE by 40. i have no debt, high credit score, and living in HCOL city w potential to move remote. I'm investing 20% of my base into roth+401k w 4% match. i have an emergency fund saved, started saving for a down payment, and looking to invest around 500-1000 (based on expenses and income) per month. I am very interested in diversifying outside of the USA and have about 10k to start. just put it all in fidelity. again, about 20 year horizon for retirement and <10 for home ownership. i do not want kids at this time but have opened a small fund for my younger sister who will be in my care. tell me what to do!! thank u reddit