$600 into a HYSA at 3.75%. I want to reach around $20k and then I want to start investing. I do have some money in my 401k, Roth and a brokerage but I stopped investing in order to put more towards my loans a few months ago. I’m saving as an emergency fund, even though it’s a bit higher than normal it eases my anxiety to have it on hand.

Yes, $3400 is the net pay after all taxes and benefits. I am currently on my parents dental and health so I’m fortunate to not pay that until I am 26.