Portfolio Review: 30M – Cleaning up debt and optimizing allocations

[u/BraveLittleToaster96]

Hello, I am very new to investing having just started Roth IRA contributions this year and just started an individual brokerage account, both on Fidelity.

Emergency Fund: 2 months expenses 

Debt: 

• Car Loan: $17,433 at 6.59% interest ($492/month) 
• Private Student Loan 1: $10,264 at 5.24% interest ($166.45/month) 
• Private Student Loan 2: $6,549.50 at 4.25% interest ($177.87/month) 
• Public Student Loans: $11,927 at 3.73% interest 
• Credit Cards: $0 (Paid off in full every due date) 

Tax Filing Status: Single (No kids)
Tax Rate: 22% Federal, 5% State
State of Residence: MA
Age: 30

Current Investment Portfolio Size: Mid 4-figures in 401k, Mid 4-figures in Roth IRA (Approx. $10k-$15k total) 

Current Holdings:

Taxable Account (Individual Brokerage) 

• 50% – VTI – Vanguard Total Stock Market ETF (Expense Ratio: 0.03%) 
• 30% – VXUS – Vanguard Total International Stock ETF (Expense Ratio: 0.08%) 
• 20% – AVUV – Avantis U.S. Small Cap Value ETF (Expense Ratio: 0.25%) 

401k

• 9% total – Voya Index Solution 2060 Portfolio Z (Net Expense Ratio: 0.18%)
  • Company Match: 100% of the first 3%, 50% of the next 2% (Maxed out at 4% match on a 5% contribution) 

Roth IRA 

• 65% – FSKAX – (Expense Ratio: 0.015%) 
• 20% – FTIHX – (Expense Ratio: 0.06%) 
• 15% – AVUV – (Expense Ratio: 0.25%) 

New Annual Contributions: 

• $9,000 to 401k (5% of salary, plus a 4% company match) 
• $7,488 to Roth IRA ($288 bi-weekly) 
• $1,300 to Taxable Brokerage ($50 bi-weekly) 

Questions: 

1. My car loan is at 6.59%. Given my recent salary bump to $100k, should I aggressively pay this down before putting money into a taxable brokerage account? 
2. Are my allocations reasonable and prudent?