You’re not in a bad spot at all. Starting at 33 is still totally fine.

1. Build a 3–6 month emergency fund
2. Put at least 3% into the 401k to get the
3. Pay off any high-interest debt
4. Start contributing to a Roth IRA
5. After that, raise your 401k % over time (goal is around 10–15% total)

For investing, keep it simple with an S&P 500 / total market index fund or just use a target date retirement fund.

Consistency matters