If you start the HDHP insurance in November, you can't fund the HSA for the entire year, only the pro rata months in which you are enrolled in such a plan (November and December for 2018 but full year for 2019 and onward.)
If you do the 401k you are reducing your taxable income and so should be well within the tIRA tax deduction window, but I'd run the numbers using the new tax brackets first. You can deduct up to $18,500 in a 401K, so if you max that, your taxable income will already be down to $42,500, not counting your FICA and other payroll costs, or insurance if it's payroll-deducted. So it matters whether your $60K figure is net or gross income.
I like being a tax minimalist so I try to trim off everything I'd have to pay taxes on and get my taxable income as low as possible. Don't worry about a late start. The best time to start is today, and a low cost of living is probably more important than anything else in early retirement goals and why so many people can't do it even though they make big salaries. Good luck.