+1 to what slschierer said!
Welcome johnny_ringo:
You will get the best
RESPONSES here if you re-work your topic as a 'Case Study' - see the
"How to: Write a "Case Study" Topic" sticky thread on this forum. It will be helpful for everyone involved - mostly for you. List out
EXACTLY where your expense dollars are going, and you'll get ideas on how to save more. Cell phone is usually a big one - many forum threads on that topic...
As for the mortgage... save enough for the 20% LTV (loan to value) and pay the added $$ during refi.
Lot's of good institutions for low-cost / low-hassle loans - many people here suggest PenFed Federal Credit Union (you'll need a military background, or connection with a military family member to join - I joined via my father's Naval service during WWII).
Saving pre-tax $$ is a good starting point - try adding $500/month to your 401K - adds to your retirement savings AND lowers your taxable income. If that seems painless after a month or so, add another $500 until you max out your pre-tax contribution.
From a mustachian who's 'over 39'<cough>, I'd recommend maxing out your 401K contribution from the very start of your career. In 10 years, you'll thank yourself.
Also, setup a Vanguard account where you'll keep your Roth IRA (or IRA). Start a taxable account there as well.
Q: Why Vanguard? A: Because you can buy Vanguard mutual funds in a Vanguard investing account without paying commissions.
As for asset allocation, you'll get as many opinions here are there are contributors. MMM recommends VTSAX - the Vanguard Total Stock Index Fund, Admiral Shares - as the main set-it-and-forget-it investment vehicle - (FYI: this one requires a $10,000 initial investment). You should also consider investing in a bond fund:
Vanguard Total Stock Index Fund, Admiral Shares (~80%)
Vanguard Total Bond Market II Index Fund Investor Shares (~10%)
Cash / Emergency Fund (6 months expenses - or whatever helps you sleep at night).
Some would say put 5%-10% in a REIT fund - but as a starting investor, your mortgage is your exposure to the real-estate market (IMHO).
Most of all - KEEP SAVING, and good luck.