college student for the first few years. If married I would expect my wife to work and wait to late twenties or early thirties for kids. Then I would be set to retire by 50 at the latest and could do it sooner depending on income.
Here are the categories I would max out (after or concurrently as I built up 6 months of cash for home/ emergency):
1. HSA
2. 401k Match
3. Roth or IRA depending on current tax rate. If you are at 25% rate, do the IRA
4. Max out 401k
5. Brokerage account
And that would be 50% after taxes and tithing.