23M, $105k Salary. How am I doing ?

• 3k HYSA
• 21k Roth
• 14k Investment Account
• 5k 401k

• 3k savings

• No debt

• Rent: $2000 a month HCOL city, I’m moving soon to a MCOL where rent will be $1000 a month

Am I on the right track for retirement or financial independence?

• I find it hard to treat myself as I am so focused on just amassing wealth. I only spend money on groceries and food and traveling to see my girlfriend. Nothing else, I don’t really go out, and all my income goes directly to Investments.

• Also, thoughts on me buying a $200k - $250k house to rent out?