What should I be focusing on the most? I can max out my 401k and Roth IRA but then I only have about $1000/month for savings and only a couple hundred for non-retirement investments. Should I decrease the amount I invest in 401k and invest more money on my own (non-retirement account) to maximize gains in the long run? I eventually want to get into real estate as well.

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If you’re going to put the money in the market regardless, it probably makes sense to keep hitting the 401k for tax purposes

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Agree. Keep it in the tax advantages accounts first.

If you want to, for some accounts (e.g., Roth IRA) you can pull out the principal for any reason - like a down payment.

I think for other accounts there might be some exceptions for a home purchase. So that’s an option to.

Regardless, I’d max those first and go from there.

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Please understand the caps for income re: Roth. Don't end up with a penalty that gets you on a list going forward

Could always make a contribution to traditional IRA first then rollover to Roth

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