I will try to keep this concise for you all.
CONTEXT
In the last 1.5- 2 years, DH and I have converted to MMM, paid off about 100k in student loan debt, saved up an emergency fund, and opened IRAs.
We, ages 25 & 26, are planning to save at least 55k/ year in the pursuit of FIRE from now. Our combined GROSS income is about 112k, our take home is around 85k right now. We live in NYC with no major assets (home, cars).
We want to max out his 401k, my work's 403B, two IRAS, and put the rest into Vanguard.
DILEMMA
I am looking at my work's 403B plan. I can contribute up to 18k/ year- pre-tax contributions and tax deferred (hooray!). There are options on what to do with the money. Option #1 is a "diversified equity fund" that seems pretty decent, in the last 30 years it has averaged 9%- 10% returns, and it has a .179% expense ratio. Option #2 is a Fixed Return, a guaranteed 7% return rate quarterly.
I am thinking I should max my 403B and prioritize it over Vanguard, since it is pre-tax (and tax in NYC is expensive). Feel free to poke holes in that though. My main question is- how much do you think I should put in Option #1 Diversified Equity, and Option #2 Fixed Rate, considering our ages, pursuit of FIRE, and other planned methods of investment?
Thank you in advance for any insight.