24 years old, $38k saved — should I be investing?

Looking for some honest, specific advice. I'm 24, stable hourly job, no debt, and I've got about $38k in a money market savings account earning ~3–4% APY. I also already have a Fidelity brokerage account with about $1,600 in FZROX.

I know I want to keep roughly $15k as an emergency fund, so that's already accounted for. My real question is what to do with the remaining ~$23k.

Some context:

– No high-interest debt

– Income covers all monthly expenses with some left over each month

– Already familiar with index fund investing basics

– I have a 401k through my employer but haven't hit the eligibility period yet — I don't know yet if there's an employer match, still need to look into that

My current thinking:

1. Once eligible, contribute to 401k — at minimum enough to get the full match if there is one

2. Open a Roth IRA at Fidelity and max it for 2025 ($7k)

3. Put the remaining ~$16k into my taxable brokerage in FZROX or similar

4. Continue contributing monthly from income going forward

Does that sequence make sense? Is there anything I'm getting wrong or overlooking? Would love to hear from people who've been here.