re: Retirement Contributions. Do you agree with this chart?

Take advantage of all company matches you can in whatever accounts. This is free money.

Once you've done that, max the Roth.

Then you can work on maxing other accounts. Personally I think the HSA (if that's available) takes priority over the 401 because if you manage things properly your HSA is entirely tax free, both on your contributions and withdrawals. Plus you can tap it if you need to for qualified medical expenses at any time.