I picked Roth over a traditional contribution because I figured I'd rather pay taxes now while I'm working with a higher income than later when I'm retired.
To start with, why would you prefer to pay higher taxes now than lower taxes later? Please look hard at traditional vs. Roth. You will save on taxes now, which will allow you to invest more for the same hit to your budget; and when you FIRE, there are ways to convert that traditional account to a Roth while paying minimal or even zero taxes.
Second, please prioritize investments over paying down low-interest-rate debt. I know there is a huge warm fuzzy of being debt-free, but what you are not seeing is how much money you are giving up by doing that. Just one super-simplified example: say you owe $10K at 4.5% interest, which is due to be paid in one lump sum 10 years from now. Over 10 years, that means you will owe about $2500 in interest (so you will need to pay
@$12,500 10 years from now). So if you pay it off today, you save $2500. So, yay, right? OTOH, if you put that same $10K in a tax-deferred account and average 7% returns, you'd have almost $20K in ten years -- so you could then take $12,500 of it of that, pay off the loan, and still have almost another $7K left! So you end up with significantly more money even though you continue to carry that debt for longer.
Third, you do not need to focus on funds that pay dividends. Dividends are a way to generate cash from your investments, but you do not need that right now -- you want to reinvest all of that income from your investments into buying more shares of stock anyway, because that's how you make money long-term in the market. So just look for a basic index fund (I like VTSAX), and throw your money there and ignore it for the next decade or two -- it WILL go up and down, but that's why you have your emergency fund and other money for your shorter-term needs.
And along those, lines, fourth, you are making a very very common mistake: you are assuming that "one-time" expenses, like tires, are really just one-time expenses, so you don't need to worry about them going forward. The reality is that even though you may not need tires next year, you may have a car repair, or a roof leak, or a tree that needs to be removed*, or a friend's wedding you want to go to, or a washing machine that needs replacement, or any of a thousand other things that happen in life. So you need to dedicate part of your monthly income to plan for these sorts of expenses -- the predictable unpredictable things, the things you know are going to happen, you just don't know when. Set up a separate account -- some folks call it a sinking fund, Michelle Singletary calls it a "life happens" fund -- and put a hundred or two hundred bucks in it every month until you get to the point where you have a sufficient cushion to cover stuff like this that comes up (I think you can reasonably judge by last year's non-house-purchase expenses, so around $2K). Then spend and replace as necessary.
Fourth, one very specific suggestion: take a close look at your disability insurance. Find out if it is short-term or long-term disability. Make sure it is "own occupation" insurance (i.e., if you are permanently disabled, you get paid as long as you are unable to do your current job, vs. being kicked off disability if you can work at any job anywhere). And if it is long-term disability and "own occupation," see if you can increase your coverage to 60% -- and if you have the option, make sure you are paying for it in post-tax money.** Your biggest financial risk right now is you losing your income stream by becoming disabled, so make sure you are appropriately protected against that risk.
And good luck! You are off to a strong start; if you can just nail down a few of these tweaks here and there, you will be in fine shape.
*Ask me how I know. $2300 quote to remove giant old dying oak tree in my backyard. Ugh ugh ugh.
**If you pay for disability insurance with post-tax money, the benefit is tax-free. This is why disability insurance typically maxes out at 60% of income, because that tends to be about the same as your current income after taxes.