At your age and income, you should be trying to max out your Roth 401K. What the 401Ks mea :

• Traditional 401K - you and your employer put in $ before any taxes are taken out. When you’re ready to retire, you will pay taxes on the amount you take out.
• Roth 401K - your paycheck is deducted of all taxes and deductions and you contribute on money that you’re paying taxes on today. All gains and principal, are tax free when you go withdraw. Only your portion of the contribution is post tax. The match your employer gives you, will be put in a traditional 401K.
• A third option that you didn’t mention (if your company offers it): HSA (Health savings account) - you and maybe your employer put pre-tax money to go towards future medical expenses. This is a great option as you can put away $3850 each year and let it grow until and if you need it.

Considering how young you are and how bad the market is right now, I’d be trying to put away at least 20% of your income into one of these retirement vehicles. You have post tax income of 3485 a month, so maybe try to contribute $1700 a month for now and the rest can be savings and your normal daily expenses.