First get rid of the credit card debt. Then build an emergency fund. If that means getting apart time job to do , do it, but get rid of that debt and build an emergency fund with in the next 12 months.

Since your goal is to retire at 55, that means you will need money to live on before you could tap tax differed accounts such as a Roth , Traditional IRA, or private retirement account (funded via you subcontracting revenue). I mentioned this so you are clear, that you will need a reserve you can tap, so do not put all of your excess funds into accounts that are designed for the traditional retirement access at age 59.5.

You left out key bits, such as what you taxable income actually is (after mortgage deductions etc) and what state you are, both of which will likely determine if your long term capital gains rate is going to be either 15% or 0.0%

I would open an account at Fidelity or Schwab (I would lean Fidelity and grab their 2% back credit card and direct the 2% to my retirement account of choice) and open a Roth IRA or Traditional IRA as well as an individual (taxable) account. If you are not living in a high income tax state I would strongly consider opening a Roth IRA over the traditional. This is because you will also have a taxable individual account. Fund your Roth IRA to the max each year ($5,500) and then put any excess in the taxable individual account. If you are at Fidelity, I would put my Roth in ishares ITOT, until I had at least 2,500 and then consider selling and diversifying into FFNOX (Fidelity 4 in 1 fund), it has a reasonable .11 expense ratio. As your assets in the Roth grow you may want to explore creating your own etf mix in place of the 4 in 1 or keep it and let Fidelity do all the work for you (rebalancing etc). If you are Fidelity I would put the taxable in ishares ITOT which is very tax efficient and has a musicale .03% expense ratio. Buy as separate share lots and I would not reinvest the dividends automaticlaly and direct them to your cash account (i.e what you transfer money into before you invest it). The idea is to add the dividends to your incoming investment capital so you can readily identify the tax basis of any shares you purchase. By doing this, you simply your taxes when you take your money out. Your tax basis is always the price you paid when you bought your shares.

You need to track your expenses carefully, simply because you need to know how much it costs you to live so you know how many years of expense you need in order to retire really. For example if you retire at 55 you will want 4.5 years of income in your taxable accounts, because the funds in your Roth or other tax deferred accounts will not be available without penalty until you are 50.5. You know you will be selling shares to fund your retirement and you will thankful you did nor directly reinvest those dividends when it comes time to figure you taxes (as above).

For what it is worth my financial condition was worse than yours at age 31. I can now retire any time I chose. I mention that because I want to encourage you. I am living proof it can be done.

Cheers.