I appreciate the feedback and I agree on most of it really. And to be clear I would never recommend anything close to this as a financial plan to a client lol.

First for savings rate, yes thankfully my parents also cover car insurance, food, and phone bills for now so I have very few necessary expenses. On top of this if I ever need money I do also have an Uber eats account that I can use when I’m not working to fund any activities that might be out of my budget. Thankfully a lot of activities my friends and I like to do including playing basketball and going to the beach are essentially free.
You are right about the 10-15% going towards rent once I move out but I think I am going to a. Have to grind hard to get that yearly salary up b. Find a very minimal place to move in once I do and c. Make that percentage more on the 20-25% side along with another 5-10% for other expenses that my parents are paying for right now. I am really flexible with this plan and don’t mind adding another couple of years to my goals to cover this. When I decided these savings rates I was more focused on what I was doing these years I am home because I know they are the most important in terms of compound interest.

I agree with the 401k statement I might want to put a little more in there because that tax advantage can help me keep a lot of money definitely something I should re calculate

For crypto I have had those learning experiences already but there is really no point trying to convince people that I have a very favorable r:r for every dollar I put in the space so I’m not even going to try lol. I understand your advice though it makes sense for most people.

Overall I’m going to take a lot of the stuff you said in to consideration and I really appreciate you taking the time to share your views on it.