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Humble_Signature_993 t1_j1zcqy7 wrote

Looks like you’re setting yourself up very well already. Low expenses with a solid starter salary. Kudos to you!

Given you don’t have many expenses, I’d suggest maxing out your pre-tax 401k (match from company?) and a post-tax Roth IRA. If available, also max out a pre-tax HSA account. Total for 2023 is $22500+$6500+$3850 = $32850. At $75k, this won’t leave you with much money at the end of the year, but it should be enough given your current expenses. Should leave you with ~$2500/month (inclusive of above described pre/post-tax contributions, medical/dental contributions and income taxes). What are your current monthly expenses? With the remainder, you potentially could start building an emergency fund and/or savings/brokerage accounts.

Live with your parents for as long as possible, while also working on ways to increase your market value (additional education, learning a unique skill, networking). For a SWE, it seems like you should be able to get to $100k/year pretty quickly/easily.

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