Which of these financial objectives is likely to give me the most bang for my buck if completed?

I don't spend a ton of time optimizing my finances but I will do a few things every year or when necessary. Trying to understand how to best allocate my time. Still 30+ years from retirement in a stable job. I'd appreciate any and all tips and thoughts.

• Move all accounts to Vanguard for lower fees. I have some money in Betterment and I think the fees might eat away at returns over the long run. Unsure if there are tax implications if I just want to move things over (IRA and taxable account holding all equities via index funds)
• Try to learn "proper" portfolio allocation and readjust. When I started working and set up my accounts I just picked the least confusing funds. Very US heavy and mostly large cap. Almost no bonds. It's become even more US heavy since US markets have been on a tear.
• Pursue buying a home. I know this one can be more of a lifestyle choice but in our case we'd treat it as a financial optimization. We're in a small studio apt in the city right now. We'd aim for similar monthly costs in the suburbs so that our investment pace can remain the same.
• Just focus on work and get a big raise. This has been the play for several years now and it's paid off. But I feel I can probably do this on top of other money related tasks.

Or perhaps the year is long enough to look into all of the above. Again, I appreciate any tips or anecdotes on how you have approached making use of your time with respect to these sorts of priorities.

submitted by /u/Firm_Bit
[link] [comments]