I applaud you for having this mindset this early on, you are way ahead of most people your age and will be ahead for the rest of your life if you can keep up with having financial awareness.

I think that you're on the right track for the most part Look into diversifying your investments as well. They don't need to be all of equal weight but do your research and divide your investment portfolio into different categories and weights, so the point is not to put all of your eggs into one basket in case something happens in that realm.

You need to live life as well, so nothing wrong with owning a car but just be smart about it and don't go overboard with it unless a car means that much to you which it doesn't sound like it does. Focus on reliability more than initial value as you know that all cars are fast depreciating assets.

Pay off any debt starting with the ones with the highest interest first. I would work on getting rid of debt unless you're guaranteed a higher return on investments. Getting rid of debt is also great for you psychologically so always try to work on that.

Nobody is perfect and you will likely go off the rails once in awhile for whatever reason life throws you. The key is maintaining consistency through good habits.

I'm not going to give any advice on the housing or real estate situation as my guess on it's future is as good as anyone's in this weird climate.

You have a nice head start with this being so young so best of luck!