Looking For Advice

I’m making this post mainly just to check in on my financial journey, and I’m seeking any and all advice any of you have to offer!

23 y/o E-4 Air Force, single, station overseas at a particular base that doesn’t allow airmen to live off base, so I’m still a dorm rat and don’t receive BAS/OHA.

Currently my finances are broken down like so:

~65k networth.

Checking: 2k

HYSA: 4.8k

Brokerage: 27k

TSP: 25.4k, 90% C fund, 5% S fund, 5% I Fund

Crypto: 9k

Car is payed off, insurance is paid yearly.

Currently paying off a personal loan, 7% interest rate, $250 payments a month, with my last payment scheduled for Nov 25, ~2k left.

13% of my paycheck goes into my TSP,

I invest $400 a month into my brokerage,

I put $250 dollars a month into my HYSA,

I invest $100 a month in Bitcoin.

Multiple credit cards, 800 credit score, 770 FICO score.

I would say my general philosophy with my money is that I desire to retire at 38, and be financially free before then. At the same time, I want to enjoy life and engage in my hobbies as well as go on quarterly roadtrips, at a minimum.

I’ve been pondering getting a Roth IRA set up, but I don’t really know why I personally would want one, when investing in one would take away funds from my monthly brokerage investments.

In the short term, I’m headed back stateside for a special duty next year, and plan on renting for a year or two to get use to living on my own, in non-government housing, before I eventually buy a house.