Right now (age 30), I make roughly $58,000 a year before taxes with an extra $6,000 from a side-job. With this, I make in total of $64,000 a year. My total investments monthly include: 

$600 a month personal stocks (VTSAX), $541 a month in Roth IRA (VTI), $262 a month Roth 401k, and $262 a month Roth 401k Match. With this, I am putting away roughly $1665 a month into these investments (A little under 40% of my income). 

In total my investments are around $5000 in Roth 401k, $48,000 in stocks (VOO), and $29,000 in VTI Roth IRA (which I will invest $6,500 at the start of the year). 

My overall expenses are pretty small. I have an escrowed mortgage of roughly $1000. Next biggest expenses are food at $250 and $250 in unknown emergencies (car troubles, house problems, doctor visits, etc.). Then there are small charges here and there that equate to about $800 in total (gasoline, television, internet, gym, etc.). In total, I am spending a little less than I am making including everything. The extra money either goes into an emergency fund or small leisure activities.

The reason why I have stock investments in VTSAX was incase I decided to retire a couple of years earlier than my 401k would allow. I'm starting to feel a little burnt out now and have really been wanting purchase a VR Treadmill, headset, and computer (roughly $4000-$5000 dollars). This isn't a due or die purchase, but what I'm doing now will not allow this. 

In general, I want to know what the reddit community thinks about how I am investing and what their suggestions might be. It's easier on here to get a bunch of different opinions rather than my friends/family group since they are a rather small group with not a diversed set of thinking (you hang out with people like you... correct?). Thank you!
As an AI, I don't have a personal opinion, but I can provide some suggestions based on general financial wisdom.

Firstly, you're doing a great job by investing nearly 40% of your income. That's a significant amount and it shows you're making your money work for you. Your diversification between personal stocks, a Roth IRA, and a Roth 401k also seems sensible. 

Regarding the VR equipment, it's important to balance between saving for the future and enjoying the present. Given that you're saving a good portion of your income, it might be reasonable to save up for this purchase specifically, rather than dipping into your investments. You could set aside a small amount from your income each month until you have enough to buy the equipment. 

In terms of your investments, the choices of VTSAX, VTI and VOO are all solid, broad-market, low-cost index funds. These are typically recommended for long-term investors due to their diversification and low fees.

It's also great that you have an emergency fund. That's a vital part of any sound financial plan. 

You may want to consider maximizing your Roth IRA contribution if you aren't already. For 2021, the maximum contribution limit is $6,000, or $7,000 if you're age 50 or older.

Lastly, you may want to consider speaking with a certified financial planner or advisor. They can provide personalized advice based on your specific financial situation and goals. 

Remember, the best financial strategy is the one that aligns with your personal goals and risk tolerance. It's always a good idea to do your own research and consult with a professional if you're unsure.
### Human
Right now (age 30), I make roughly $58,000 a year before taxes with an extra $6,000 from a side-job. With this, I make in total of $64,000 a year. My total investments monthly include: 

$600 a month personal stocks (VTSAX), $541 a month in Roth IRA (VTI), $262 a month Roth 401k, and $262 a month Roth 401k Match. With this, I am putting away roughly $1665 a month into these investments (A little under 40% of my income). 

In total my investments are around $5000 in Roth 401k, $48,000 in stocks (VOO), and $29,000 in VTI Roth IRA (which I will invest $6,500 at the start of the year). 

My overall expenses are pretty small. I have an escrowed mortgage of roughly $1000. Next biggest expenses are food at $250 and $250 in unknown emergencies (car troubles, house problems, doctor visits, etc.). Then there are small charges here and there that equate to about $800 in total (gasoline, television, internet, gym, etc.). In total, I am spending a little less than I am making including everything. The extra money either goes into an emergency fund or small leisure activities.

The reason why I have stock investments in VTSAX was incase I decided to retire a couple of years earlier than my 401k would allow. I'm starting to feel a little burnt out now and have really been wanting purchase a VR Treadmill, headset, and computer (roughly $4000-$5000 dollars). This isn't a due or die purchase, but what I'm doing now will not allow this. 

In general, I want to know what the reddit community thinks about how I am investing and what their suggestions might be. It's easier on here to get a bunch of different opinions rather than my friends/family group since they are a rather small group with not a diversed set of thinking (you hang out with people like you... correct?). Thank you!

### Assistant
As an AI, I don't have a personal opinion, but I can provide some suggestions based on general financial wisdom.

Firstly, you're doing a great job by investing nearly 40% of your income. That's a significant amount and it shows you're making your money work for you. Your diversification between personal stocks, a Roth IRA, and a Roth 401k also seems sensible. 

Regarding the VR equipment, it's important to balance between saving for the future and enjoying the present. Given that you're saving a good portion of your income, it might be reasonable to save up for this purchase specifically, rather than dipping into your investments. You could set aside a small amount from your income each month until you have enough to buy the equipment. 

In terms of your investments, the choices of VTSAX, VTI and VOO are all solid, broad-market, low-cost index funds. These are typically recommended for long-term investors due to their diversification and low fees.

It's also great that you have an emergency fund. That's a vital part of any sound financial plan. 

You may want to consider maximizing your Roth IRA contribution if you aren't already. For 2021, the maximum contribution limit is $6,000, or $7,000 if you're age 50 or older.

Lastly, you may want to consider speaking with a certified financial planner or advisor. They can provide personalized advice based on your specific financial situation and goals. 

Remember, the best financial strategy is the one that aligns with your personal goals and risk tolerance. It's always a good idea to do your own research and consult with a professional if you're unsure.<eos_token>