Putting money in Roth, etc.

Order of investing:

max out 401k, max out Roth, consider a 529 plan if you plan on going to grad school. The main advantage of these is the growth isn’t taxed. A 401k you pay taxes later a Roth you  contribute after tax funds. As others mentioned, be careful that you aren’t above the income limits for contributing to a Roth. If you are, you can get around it, but it’s a little more cumbersome.

The remainder you should put into VOO, or money market accounts. A rule of thumb people use is take 100 - your age and that is the amount of S&P exposure you should have.

I would recommend only having 2 months of expenses in your checking account and the rest in a brokerage. Be careful you don’t contribute too much to Roth’s or 529s because assuming you are a male, you will need to buy a ring, car, house in the near future and will need funds to do that.