33yo in Eastern Europe – looking for strategy advice

Hi all, thanks for all the input in advance.

I'm 33, recently got out of a substantial amount of bad consumer debt and saved a 6 month emergency fund for very basic expenses. I'm a renter and live in a very high cost of living area with no intentions of moving to a different city for personal reasons.

About a year ago I started earning relatively well compared to my working class family. Due to extremely high cost of flats where I live I don't think it's realistic to consider buying anything – I would not be able to afford the mortgage on even a remote shitty neighborhood 40 sqm flat, while my current rent is less than half of what I would be paying in mortgage on a flat similar to this one.

Due to those reasons and the geopolitical situation, as well as general work instability, I've come to a conclusion I should try building up the emergency fund to one year, and invest as much as I can for retirement through tax advantaged accounts.

I'm considering the following setup:

\- 5% of monthly income towards upping the emergency fund, currently sitting in 3-4% return rate savings accounts

\- \~30% of monthly income towards investing, pretty much everything in retirement tax advantage accounts in ETFs, apart from a small buffer in metals, other currencies etc

That's pretty aggressive, and meant as a general guidance, as I'm not sure I will be able to sustain that long-term (given work instability). I'm a bit worried that if I don't make good use of my financial situation now, I'll miss out on stability long term.

I'd like your opinions on all I've just said (; but especially on the approach towards building up the emergency fund, and keeping everything in tax-advantaged accounts (= hard to withdraw before retirement age).