I second maxing Roth. You are in a low tax bracket. As long as you stay under 25% tax bracket and you don't have any employer sponsored 401(k), I would always put 5k/year in Roth and invest 100% in stocks (index funds or good mutual funds with a long track record of success) until you get closer to retirement (long ways away for you).
Also, I would double the $4400 emergency fund and place it in a higher yield online savings account. You can do much better than 1% in a liquid account. Doing so will protect your very strong retirement position, and makes sure you never have to raid any retirement accounts (last resort).
Your doing a good job. Stay out of debt, and take others' advice on this forum.
Good luck!
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Thanks,
ea1776
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