Hi i would like to go over my current budget and see where I can improve. What can I be doing more to set myself up? Im 29 y.o.

My current take home pay is $2800 biweekly.

Fixed expenses: $1300 rent, car note, insurance

HYSA: $800

Roth IRA: $300

Cc payment: $400

Current debt

Cc debt: 8k 0% interest until Jan 2027

Car loan: $21,400

401k: 32k contributing 8%

Roth: 8k

HYSA: $1000

Im not in a rush to pay off my cc debt since its at 0% interest. I use my cc just for groceries and gas i usually dont spend more than $150 every 2 weeks. I plan to pay it off by the end of this year. Next year I intend to focus on paying off my car loan. Feeling kind of antsy about my hysa amount so going to prioritize that.

Do you think this is a good budget and plan?