re: Where should I start putting extra money every month?

I would get a HSA and max that sucker out every year. HSA account is building for your own and your future family's medical needs. And after that I would max out your 401k. Since you have a modest salary you probably will not be able to max it out but try to increase it to a point that you are comfortable with. As your salary increases through the years don't forget to keep increasing your 401k contributions so you can eventually max it out.


Roth is a good idea. I never had one. I make to much money to qualify for one or I would be maxing it too.

I would put money in a Roth and HSA and make it top priority and then put as much as you can in your 401k. Your money issue is solved.