You won't get this kind of jump in most fields in year 1. It's not just performance, but sustained performance over time on key business results, that gets you the biggest raises in place.

In my field, they don't like hearing it, but most 1st year "rock stars" did great but aren't generally on critical business needs. This doesn't mean they didn't deliver value.

Expect 5% as a top performer. If you think that's unfair, try switching jobs, but depth generally beats breadth in the first 5 years in a technical field.

At 35, I have doubled my salary in the past 4 years alone from what it was 4 years ago, but the other first 8 or so years I went up about 30% total.

3% is an average value amount, but disproportionately more of those are at or below 3% with fewer of them substantially over, shifting the average. The median experience is under 2%.

Yes, beyond a very modest emergency fund. If you want it gone, you need focus. This is a simple question of priority and not doing every step at once.

Note: I expect some counter-arguments, especially on car loans, but you stated your goal. If this is about math, yes it is possible to outearn interest paid elsewhere. If this is about freeing yourself from a debt ASAP, its a simple shovel and dirt problem. Make your shovel bigger to move the dirt faster, and don't use part of it to dump dirt elsewhere.