I currently have a mortgage that's remaining at about 75K.

Aside from that I have $2K on a new washer and dryer, I got 18 months same as cash so my money in savings makes me more in interest than I would if was to just pay it off right away. If the shit hits the fan, I can just pay it off from my reserves no problem.

I have a 401K plan that's been going consistent for 10 years now and I have a brokerage account that I'm building for a transition from working life to retirement.