GumbyPickles, your income is solid at 27 years young! Congratulations!
I’d recommend the following actions:
1) Contribute maximum to the HSA the 2014 limit is $3,300.
1a) Adjust to $3,350 during your open annual enrollment period.
1b) Read
http://www.madfientist.com/hsa/2) Increase your 401k contribution to the max you can afford. I’d recommend cutting back in other areas in your budget to achieve this goal. YMMV. The fact you get an employer match is great, not everyone does (myself included).
2a) Adjust budget for 2015 your 401k contribution limit to reflect the new maximum $18,000.
2b) Re-balance your 401k holdings. If you are only in the 2050 Target Date fund, consider changing it to something else. Look at the other fund offerings.
3) Contribute max to Traditional IRA in 2014 $5,500.
3a) Contribute max to Traditional IRA on January 1, 2015 $5,500.
3b) Read about Roth Ladder Conversion
http://www.madfientist.com/traditional-ira-vs-roth-ira/4) Open a taxable brokerage with Vanguard or Fidelity. Save anything extra into here.
5) Contribute adding your bonuses to the $35,000 home down payment stach.
5a) Consider investing some or all of that stach into a diversified portfolio, unless homes in your area only cost $100,00. Personally if I was in your shoes I’d reconsider buying a home and focus on saving more to reach FIRE. You can always buy a home or property later by yourself or with a partner.
6) Consider merging food expenses (restaurants, fast food, groceries, alcohol into one). Can you reduce your alcohol consumption and fast food in-take? Reducing or completely eliminating those two will certain benefit your long-term health. By the way, I’m single and I spend only $300 for all four expenses. YMMV.
6a) You don’t mention how physically active you are and if you enjoy fitness. I recommend factoring that into your quality of life and building your frugality and actual muscles.
7) Exam ways to reduce your utilities, without a breakdown it appears high.
8) Define “other”? If this is fun money just mention it so we can get more context.
9) Keep renting, this will easily become your highest expense and most stressful responsibility once you become a property owner.
Hope this helps give you more ideas. Good luck! You are definitely on the right path. Cheers! :)