Hey there. Congrats on starting saving so early and being smart about living at home at first to further save money. With that salary and your 18+8k stash, you're off to a good start.
However, what's going on here?
Car debt: $21,500 w/ 3.49% apr...$545/month. (remaining term 3years 3months)
Its a 2014 Jeep Wrangler Unlimited Polar edition. Has about 30k miles on it, KBB has it valued around 27k-30k stock, but i have about 6k in upgrades I put into the truck (lift kit, tires, light bars, bumpers, etc.) Ive considered selling once it is paid off, but i don't really feel like dealing with the hassle of selling it while i still owe money on it (20k).
I thought this was MMM forums. This isn't a saving money, bogleheads, or even FIRE forums, but
MMM forums!
This is face-punch worthy of the highest degree.
Quit paying those high car loan interest rates, quit killing the environment with the gas guzzler, quit killing yourself with the driving, get over your upgrades, and get over the "not really feeling like dealing with selling while still owing money on it" mental block.
Sell the car off. If you get 29k for it, you will net ~8k, from which you can buy a ~5k car, and apply the rest to your stache. The $545/month for the Jeep now goes towards your savings, either for the down payment for your house, or if not a house, can consider putting it in a Roth.
If you are really looking to buy a house, for say $250K, you'll need a 50k downpayment. If you sell the car and bank roll that and the car payments, you'll get to 50k in ~3 years.