Am I investing too much into retirement? How to find balance between retirement and non/retirement investments?

Hi all,

I recently moved into my first apartment and have been recalculating finances/budgets and wanted to know how I should be allocating investments.

For context, I am 22 years old, living in SoCal. I make roughly $90k per year, have no debt, and car is fully paid off. While living at home, I was investing 20% of my income into my 401K and ~ 4-5% into my HSA. My Roth is already maxed out for the year.

Since moving, I’ve calculated that I can keep my pre-tax deductions (roughly $1,800/month) the same and have about $600 remaining per month to invest (assuming I follow my budget). I am curious if I may be over investing into retirement accounts and should reduce my retirement allocation. I understand the tax implications of this and want to know how to calculate an optimal amount between retirement and my IRA.

To provide more info: I do hope to eventually purchase a home. I do expect there to be solid salary growth over the next 5 years of my career (somewhere between 6-10% on average per year over those 5 years). My company matches 3% of 401K and $400 to HSA (have already reached the threshold for full employer contribution for both accounts this year.)

As far as the current value of my assets go:

Checking – $1,000
401K – $15,500
Roth IRA – $15,500
Money Market Account – $7,000
Individual Brokerage – $6,000
HSA – $3,000
Land (Value of portion I’ve paid off of a plot of land I purchased in Mexico as an investment 2 years ago. About half paid off) – $7,500

Should I keep my pre-tax deductions the same for the year and stick to just investing the $600/month in my individual brokerage, or should I lower the amount? Also, how does this change, when it’s time to contribute to my Roth again next year (roughly $583/month)? Any advice is greatly appreciated!