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First 401K portfolio with high expense ratios - which funds to pick? (24yo)
If it was me, I would withdraw money from savings and be debt free today.  I would then pour the $500 into building back your savings.  Then of course, never again carry a balance on your CC. At your age MSFRX is a losing game.  You can handle the volatility of better performing funds, I would have zero in there.   If it was me, I would do something totally different then you are doing: Keep in mind you are doing very good as is.  The best way to win with money is to make good moves overtime, and given your debt level, savings, and willingness to contribute to a 401K your moves are pretty darn good.   Keep in mind you will probably want to start saving a down payment for a house.  This should be done outside of your 401K. Overall good work!