Fidelity offers a 6 month CD at 5.10% rate.

That's $22,950 in interest on $900,000 over 6 months.

No. Just dca into the market.

Do not time the market. There's no reason to put that kind of pressure on yourself.

You're making $85,000-$100,000 per year. Move out and live your life.

You can still help out your parents if they get in a pinch financially.

Help your siblings find jobs, easier said than done if they don't want to work.

There's always a reason not to move out.

That’s not my point. My point is if you dca into a bear market an 8% return on average per year in a bull market is certainly attainable.

Not with dividends reinvested. 8% is certainly attainable, especially if you start investing the middle of a bear market.

The average return per year from the very bottom of a bear market to the peak of a bull market is between 15%-19%.

Obviously you can’t time the bottom of a bear market, but you can dollar cost average into it. And eventually the bull market begins and at some point you’ll be up 15%-19% during the bull run (assuming buying at the bottom).

https://www.raymondjames.com/neunuebelbarrantes/pdfs/history-of-market-corrections.pdf

Move it to a HYSA. There are plenty offering over 3%

https://www.ramseysolutions.com/retirement/investment-calculator

Yes from a brokerage account, Roth IRA, , HSA, etc.

You can open up all these accounts on Fidelity, that's what I use.

Also most 401k's should have a low cost mutual fund that mimics the S&P 500

I just went on Amazon and looks like it shows if it's FSA or HSA eligible directly under the product picture.

Kind of dumb they put products on the HSA /FSA section that aren't eligible. I'm sure it benefits Amazon in some way.

Are you living off that $2500 and making minimum payments on your cards?

If you're serious about paying off your CC's you'll get a second job driving Uber, deliver pizza, or whatever you can find and put ALL that money towards your credit cards.

You can go high interest debt first, which is the best way financially. Or you can use the debt snowball method which is paying down the credit card that has the least amount of debt then moving on to the next card with the lowest balance.

Also, which ever method you choose, make sure your still making minimum payments on the other cards.

$50 per month invested from 18 years old to 65 years old at 8% rate of return will turn into $310,000 at age 65.

Start with investing in the overall market like a S&P 500 fund.

VOO and VTI are both good overall stock market investments.

It's triple tax advantaged. Also there are age no restrictions or penalties on an HSA when you can use the funds on healthcare

The average retired married couple retiring at 65 spends $315,000 in healthcare costs over the course of their retirement according to Fidelity. Everyone will have healthcare costs as they get older. Healthcare costs are only going to increase as time goes on.

I just turned 31, so I know how you feel. Your young, healthy, and feel invincible. I know it doesn't seem important since you have your entire life ahead of you. But nobody lives forever. Our bodies break down, we get sick, we get diseases, we fall off ladders, we fall down the stairs, we get in car crashes, etc.

1. Contribute up to employer 401k company match
2. Max out Roth IRA
3. Max out HSA
4. Max out 401k

Make sure to have a 3-6 month emergency fund as well.

Either fix it and sell it or sell it how it is. Regardless, get rid of it as soon as possible. Kia is notorious for building terrible cars.

Buy or lease a Toyota or Honda. Very reliable brands.

Stock market returns an average annual return of 8-10% with dividends reinvested. This is over the long term.

That said, I would want to pay off debt at 6%. It's not 20% debt, but still debt nonetheless.

I don't think you need to make extra payments on your mortgage assuming you refinanced around 3%. Take the extra money you were putting on your mortgage payments and put it on the 6% debt. Keep investing in your Roth 401k and investment account.