>...don’t really have a set age I want to retire yet.

You might want to put a little thought into your plan. Just so you can at least look back and say you made the best decision you could at the time with the information you had. I think you have a good plan and I'll explain why below:

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You have a rare window of opportunity....time. The savings decisions you make now are about 10x more impactful than the ones you'll make in 20 years.

Conservatively, money in the stock market doubles every 10 years. So the sooner your nest egg starts compounding the better. If you hit 1M by 40 (16 years), then at 50 you'll have 2M and at 60 you'll have 4M. The compound growth is phenomenal. Compare that to me, I started saving at 32, hit 1M at 50 so by 60 I'll have 2M...give or take. You'll have 2x more money than me, even though you only started saving a few years earlier.

Asking about Roth vs Traditional savings is something of a lightning rod. You'll get a lot of advice about tax arbitrage and it is mathematically correct but you aren't going to pick your tax rates, those will be what they will be, as a function of dozens of decisions you'll make over your lifetime. The biggest ones are:

• how much are you going to save?
• how long does it have to grow?

The conventional advice is pre-tax 401k for someone in the 24% bracket (especially if you have state taxes) and Roth IRA. This creates a small tax hedge. It works like this because most people simply won't be able to save enough to blow past the income from their working years and frankly don't need to. The general goal is between social security and investments you'll need about 80% of your working income, so all other things being equal will be in a lower tax bracket.

However, the impact of compounding overturns the conventional advice for someone who starts in their 20's vs 30's or later especially if you can be aggressive (e.g. 25% of your salary). That extra decade of compounding is profound. So for that reason I recommend anyone under 30 going all in on Roth, and saving until it hurts.