These are your current selections, right? If you’re moving to Vanguard your options are going to change. Fidelity won’t offer you Vanguard funds, and may change out some of the other funds too based on what your company pays for

If you don’t want to do a target date fund and are 20 years out, you could consider something like 80% S&P/20% international, or something like 70% large cap/15% mid cap/15% small cap. Maybe throw a bond fund in there for 10-15% if you’re on the conservative sode

Currently around 3-4%, but obviously what constitutes high changes based on what the Fed funds rate is at the time and in comparison to other banks. Some places are higher but make you jump through hoops to get it (you have to refer people, make a certain number of transactions per month, etc)

No problem! If you’d like to play around with how much you need to contribute a year to get there, I like to use this compound interest calculator

How much are you currently contributing per year? That multiple includes both growth and futures contributions. Let’s say on your current salaries you’re saving 20% pre-tax (so $36k a year) That brings you to $350k before any growth. If we assume a 5% average growth factor over the next 5 years compounding (not guaranteed) along with that $36k/year, you should have $415k. If it grows at 7%, you’d have $445k. As you make more, you’ll also likely be able to set aside a larger percentage of your salary to retirement, so there’s variables involved but yeah $510 isn’t out of the realm of possibility

Capital One, Ally, and Marcus (Goldman Sachs) are all reputable banks currently offering good rates on their savings accounts! There are more too, those are just the ones I know off the top of my head

You can generally invest what you want in an IRA, but I would consider keeping your retirement funds in something relatively vanilla and playing around with money you’re more ok with losing in a taxable brokerage account, but your call.