Thanks, this is really helpful. I’m planning to have an emergency fund, max my HSA and Roth IRA, and get my full employer match. If I can still save more after that, would you personally max the 401(k) before investing in a taxable brokerage? Also, at what point in someone’s career do you think it makes sense to switch from Roth to Traditional contributions?

There's a couple more variables to give you the "right" answer here. 1) is it a Roth 401(k) or Traditional, (2) what is your tax filing status (single, married, etc)? (3) do you itemize or use standard deduction. The good news, is there actually is a "best" set up. But will need those inputs to give the best recommendation. The goals in order are this: 1 - get the free money first (401k up to the employer's contribution match amount); 2 - max out investments that grow tax-free; 3 - return to the 401k to gain tax advantages (this requires the inputs); 4 - general investment. Now, 2 and 3 can flip-flop, depending on some assumptions (like current and projected tax status), but this is the directionally decent advice.