[redpoint5]

0. Establish an emergency fund to your satisfaction
1. Contribute to your 401k (traditional or Roth - see "Why #4" below) up to any company match
2. Pay off any debts with interest rates ~5% or more above the current 10-year Treasury note yield.
3. Max Health Savings Account (HSA) if eligible.
4. Max Traditional IRA or Roth (or backdoor Roth) based on income level
5. Max 401k (if
- 401k fees are lower than available in an IRA, or
- you need the 401k deduction to be eligible for (and desire) a tIRA deduction, or
- you earn too much for an IRA deduction and prefer traditional to Roth, then
swap #4 and #5)
6. Fund a mega backdoor Roth if applicable.
7. Pay off any debts with interest rates ~3% or more above the current 10-year Treasury note yield.
8. Invest in a taxable account and/or fund a 529 with any extra.

As an aside, while janitorial work makes decent money and is a respectable job, your intelligence seems like you could be earning more doing something else.

As an aside, aside, I would be tempted to keep my emergency fund in a stock market index fund. A credit card could cover any unexpected expense interest free for 30+ days while you sell whatever amount of stock is necessary to pay off the balance. The advantage is your emergency fund is on average earning ~7% (inflation adjusted).