Multiples of Annual Salary to save by certain ages:
Credit Card Debt Carried from month-to-month means you are spending beyond your means:
-downsize house
-downsize car
-track spending
-reduce discretionary spending
Being able to save money each month, despite having a smaller house or less costly car, will reduce stress significantly and improve the quality of life substantially.
San Antonio has one of the lowest costs of living anywhere. If you are in debt here, it reinforces that your spending is likely too much.
Typical advice is a 60% stock - 40% bond mix.
Over the long run, this optimizes return while stabilizing the portfolio. 100% stocks will slightly increase return but risk increases significantly.
If you have flexibility of your retirement dates and can work extra years if the market happens to be on a down trend when you intended to retire, that a high stock weighting might be better.
Stock funds that mirror the entire market like the Russell 5000 and an international total stock fund with low management fees are all that are necessary.
Wall Street's goal is to get investors to spend as much money as possible on management fees, trades, advisors, etc... Yet annually 75% of money managers do not beat the index funds. These are professionals whose job it is, and yet they can't beat the market.
Over the long run, 90% of money managers lose to index funds. One can simply avoid the entire idea of investing in individual stocks or specialized funds and get funds that mirror the entire market and cost very little in management fees. There is no need to follow the day-to-day noise of the market.