re: How is my financial state at 26? Thanks for the input.

What's the interest rate on your loans?
I would take the extra 4% in non matching 401K contributions and put it into a Roth IRA. It will give you better blend of taxable/non-taxed retirement. In addition, you also have more control of your investments in a Roth IRA compared to a 401K. Once you get the Roth maxed out, I would consider contributing additional money to a 401K. Considering your age and tax bracket, I would do my best to max out the Roth IRA.

That being said, interest rates on the loans really are a determining factor in how you invest. When I graduated, my loans were at 3.25%. I expected better returns in the market, so I did not pay my loans off initially and contributed more to my retirement.