Advice for inexperienced 28 year old?

I’ve been following this page for about 2 years after i bought my first apt in Oslo in order to have a healthy financial habit. My current status: - Working in Risk Management in Banking - 3 year work experience, earning about 83k eur yearly, which is 4,6k eur monthly after tax. - Tok up a loan on a apt on total 382k euro, central apt two years ago. Current worth is 450k without refurnishing. Finances: • 2,25k eur downpayment (28 yrs left) 4,3% interest rate • 22k eur emergency fund on a 4,25% i