I always try and break it out so this makes more sense for me on your financials--your setup isn't very intuitive.
Taxes: $6486 + $2657 in State tax = $9143, refunds treated as a bonus.
--------Does this include Payroll taxes and health insurance? What is your net income per month? It looks like it is:
Net Monthly Income: 67,000/12 = $5583, less 762 in taxes = $4821 a month.
Expenses: $31,183 total, or $2,598. Which leaves you with $2222 a month in excess?
$4821
-$2,599
$2222 excess
Does this seem right to you? It doesn't seem like FICA is included.
So, what should you do? If you max all your tax sheltering savings you are looking at:
--Roth 401k is 19,000/yr post tax so 1583 from your net paycheck
--Roth IRA is $6000 total, or $500 a month, this is also post tax.
So $2222-1583-500 = $139 in excess a month without doing any optimization of spending. Let's give you the benefit of the doubt and say you trim expenses to get you to $400 a month in savings.
$400 savings a month is kind of scary low. Except that is the leftovers. The Turkey Sandwiches. The cold pizza. You're socking away $25,000 a year in post tax earnings. And you're 24. And you're just starting your career. And you're commission based. And you want to earn more.
That means, to me, three things. Every single raise you get goes back to you to enjoy your 20s while still dramatically taking care of your post 20s. You want more fun, earn more money. You have a career that allows for immediate financial gratification.
Second, it trains you to stay on budget and keep low expenses now while everyone else is seeing how they could be spending the 2 grand you're socking away.
Third, you're getting time on your side now. In 5 years time, if you don't do any post tax investing on top of this, you're going to be sitting, in an average situation, on $150,000 grand in retirement accounts. If you don't add another dollar for the rest of your working career, you'll have over 1.2 million dollars waiting for you at age 59, or almost $700,000 in inflation adjusted dollars. If you do it for 10 years, you're looking at almost 2 mill at age 59.5, or 1.2 million inflation adjusted. All growing and withdrawable tax free.
That is factoring in no raise, no other savings, no windfalls, no nothing.
I get the desire to not tie up funds for distant future you now, but math says otherwise. Math says to take advantage of the 401k/Roth IRA. More importantly, don't look at this as tying up funds forever, look at it as financial training on spending. You want a raise in take home funds, save up and pay off that car loan--now you're got an extra 276/mo. Want to go on vacation? Credit card churn and earn it. Want to buy a house or a ring or a who knows what else? Good news, you're at the start of your earning potential. Raises and increased earnings will come, and when they do, future you is already taken care of to the fullest (excluding HSAs) and you can pocket the rest. $400 in savings is the starting point.
If you do this you're ahead of every conceivable curve. I did this (albeit much later in life) and it has been great to set a false barrier to spending by not having access to overspend. It makes those tax return bonuses extra fun. It makes paying off car loans (for me student loans) great interim goals. It makes every raise that much more enjoyable because it doesn't have any other place it 'should' go.
You are worried about having your money tied up in non accessible accounts. If you're like many people here, the most painful thing you could face is to start depleting your taxable accounts before you're completely done. Do you think that you could start drawing down on taxable accounts in 5 years knowing it won't last forever? It is hard when facing that sell button, I promise you that.
Lastly, you said you might want to option out into a lower paying gig later to explore what you want to do. If you make it five years under this plan, you've learned to live off of a salary of roughly $40,000 since that is all you're seeing. Just because you don't access the funds til later doesn't it doesn't have an effect. You'll have set up retirement, and just need to bridge it til you get there.
No matter what, you're in a good spot making money with an emergency fund. I would challenge you to do this maximum savings plan for 5 months to see how you live on the budget. Barring an emergency (That you have a fund for) I think you'll find that your lifestyle isn't changing much except for the fun of watching your personal capital savings amount grow by leaps and bounds.
Either way, congrats on a great start to an early retirement.