re: What is next step? Have a Savings Account, Simple IRA/401K

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There's absolutely no reason to have a savings account that you regularly contribute to until you max your Roth out every year.

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This is correct. Max the Roth every year if possible.

That said, keep the part of the balance you consider "emergency money" invested conservatively. If your monthly expenses are $3000 and you are budgeting 3 months of emergency cash, then invest the first $9000 in something unlikely to fluctuate much.

As your balance grows you can (and should) get less conservative though since any gains are tax free.