I’ve been doing the following:
Maxing out my 401K, IRA, and HSA
Investing my HSA funds over $1K
Currently building my Emergency Fund to cover 6-9 months of expenses
Investing some of the rest into a Vanguard ETF account
However, been paying the min on my student loans

Next steps: Work towards a down payment (and cover other housing costs like closing costs, property taxes, insurance, etc) & wedding expenses

Anything else that I’m missing here?

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Don’t pay your student loans yet since payments are frozen now. Put the cash in safe investments and then pull it out once required payments resume.

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HYSA or short-term bonds

For minor medical copays, etc, pay out of pocket and let the HSA keep growing in investments tax free.

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