What rate are you paying on your student loans?
Here is an adapted response of mine from a similar question:
If you want to execute an IRA ladder (probably the most tax efficient method to date for a ER, see link in my signature for details), you will need 5 years worth of living expenses in either ROTH contributions or taxable accounts. Just for round numbers, let's say $100,000 in today's dollars this would take around $7k a year returning 8% for 10 years. Adjust your numbers accordingly.
This is what I would probably do:
Looks like you have about 20k to invest next year, break it down as follows:
$5,500 (or max if it changes) in a ROTH IRA, you will need this to execute the IRA ladder.
$1,500 in taxable investments, you will also need this to execute the IRA ladder, it will also serve as a no-strings-attached emergency, house down payment, or other "opportunity" fund. The ROTH contributions can back this up but will have more strings/complications.
$13k in the 401(k).
As your income/savings increase, bump up your 401(k) contributions until you hit the max. After that point, any additional income will go into taxable investments. As you increase your taxable investments, you can begin to split your IRA contributions between the ROTH and a Traditional IRA, just as long as you stay on track to have enough to fund your first 5 years of ER between the ROTH and Taxable investments. This plan will also give you some tax diversification in the event the rules change down the road.
You could also take this a step further and put everything you can into tax deferred accounts if you expect your income to grow to the point where you can fund your initial 5 years of ER expenses out of taxable investments you accrue after maxing out your deferred options.
This sounds complicated, because it is, but tax optimization can shave years off of your working career, so it is worth the effort to at least try to it get as close as you can to perfect. But don't let it overwhelm you, you have the most important part down, saving.
Sounds like you are on the right track! As things change along the way, be sure to "re-work" your plan accordingly. This forum is a great resource to do that and has helped me immensely!