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Allocation between 401K/retirement accounts and taxable investments, as a young adult?
First off, great job on your finances so far. You are off on the right foot and have some sense of planning for the future.  Also, it is a great question.   First, I agree with @littleadv. Take advantage of your employer match. Do not drop your 401(k) contributions below that. Also, good job on putting your contributions into the Roth account. Second, I would ask: Are you out of debt?  If not, put all your extra income towards paying off debt, and then you can work your plan. Third, time to do some math.  What will your business look like?  How much capital would you need to get started?  Are there things you can do now on a part-time basis to start this business or prepare you to start the business? Come up with a figure, find some mutual funds that have a low beta, and back out how much money you need to save per month, so you have around that total.  Then you have a figure. e.g. Assume you need $20,000, and you find a fund that has done 8% over the past 20 years.  Then, you would need to save about $110/month to be ready to go in 10 years, or $273/month to go in about 5 years.  (It's a time value of money calculation.) The house is really a long way off, but you could do the same kind of calculation.  I feel that you think your income, and possibly locale, will change dramatically over the next few years.  It might not be bad to double what you are saving for the business, and designate one half for the house.