[jIM_Ohio]

$944 extra per month. I would send $500/month to Roth or a deductable IRA (the deduction gets you 25% back- so I would consider the deductable IRA in this case). I would choose one or two funds for starters- a large cap fund and a small cap fund for starters. Or maybe a domestic large cap fund and an international large cap fund.

I would put $100/month into savings.
I would put $100/month into HSA
I would put $240/month into a house/car fund.

I would keep savings and house/car fund seperate.
I would contribute to Roth and HSA until
a) the max per year has been set aside (5k for Roth and ~5k for HSA)
b) The HSA has two years of your out of pocket max set aside.

I would use the savings to build up an emergency fund of ~$10000 (6 months expenses). The 4k you have now is a good start, I am suggesting $100/month because $1200/year increases EF by 1 months expenses per year, and you already have close to 3 months expenses.

The $240 for house/cars is a race. Can the current car last until you have about 40k saved for a house (40k is 20% down for a 200k house). If the car needs to be replaced, pay cash from this pool of money, then continue to set aside cash.

The IRA being maxed takes priority over the house and car savings. The goal should be at least 15% of gross salary going to retirement.

If you contribute to a deductable IRA, for every $1000 you send in, you get $250 back on your tax return. I would strongly suggest considering this over the Roth.