HYSA doesn’t matter who you go with. The purpose of the account is to play defensive and be liquid. If you want lock up your money that’s fine but if you are spending time making a decision between like 4.5% and 4.75%. Then you are wasting your time and thinking too small.

When you read the book it will explain it in more detail but yes. The Roth 401k option is an employer-sponsored retirement account and the Roth IRA as the name suggest is an Individual Retirement Account.

Again, I would recommend reading the book first but yes you would open an account with them that is an IRA, not the brokerage one. Then use the money you have to max it or at least work up to a goal of a total of 15-20% of your gross salary.

As for the student loans technically you are legally and morally obligated to repay the loans but politics being politics I would hate for you to be holding the bag when the president wipes away student debt in order to buy votes. So I would set aside just enough to pay it in full and see which way the wind will blow on that decision. (My money is on its not happening)

Just from reading your "Financial Stats" it was obvious you lived like no one else in order to, later on, live like no one else. You paid the price now go reclaim the some sort of life you don't currently have. You are already ahead of 80% of Americans take the WIN.

I can see why you think comparing the bottom number is the same, but it's not comparing apples to apples. There are a lot of hidden costs the owner bears.

You may be looking at a time horizon that is too small. At .55% you might as well keep it under your mattress lol, but a quick search says the "American Funds 2060 Trgt Date Retire R6" over the last 5 years has returned 14.89%. I would suggest you open an account with vanguard and get a target date fund from them (VTTSX) and pay lower in fees (0.43 VS .08%) also read the book " I will teach you to be rich" by Ramit Sethi.

Well, I can tell you it doesn't get any easier as you age. So spends some of that money to experience new things and meet new people. You will be MUCH more interesting that way. You won't earn 78k your whole life; it will go up.

I forgot to mention you are killing it. Don't forget to enjoy some of it. You may find out that your future spouse hates the condo you purchased lol

Well, I can tell you are well on your well to becoming a millionaire by the time you are in your forties lol, so good job being so diligent. You could back off on your Roth 401k and your HSA in order to fund this home purchase. While you can use the HSA as another retirement vehicle, I would recommend just having enough to cover any out-of-pocket maximums and put the rest in your IRA so you have more variety. It may be best to rent since you are so young and remote no need to rush into a condo because of interest rates or the economy. Try this calculator.

Where is marriage in this scenario? You gave a timeline of 9 years together but no date on when the marriage would take place, which would solve all these issues. Other than that, the most equitable would be % wise, but nitty gritty stuff like that causes friction.

Worry about the things you can control not about what you cant. They need to acquire some sort of skill that will demand a higher wage. This will help you in inflationary times and recessions. I have lived in Houston all my life, and there are plenty ENTRY level retail and hospitality jobs that pay way above minimum wage. I know this because I help my dad apply to Walmart to stock shelves, and has zero skills. He does not do well with technology, speaks broken English, has trouble reading it, and, worst of all does not work well with people making 16/hr. There is no reason to take a minimum-wage job ; make the businesses compete.

Read this article by Bloomberg where they take the top 10 cities where 100k takes you the furthest and texas cities were 7 out of the 10 cities, Houston being 6th in America.

1. Memphis, TN
2. El Passo, TX
3. Oklahoma City, OK
4. Corpus Christi, TX
5. Lubbock, TX
6. HOUSTON, TX
7. San Antonio, Fort Worth , Arlington TX (Tie)
8. St. Louis, MO