It may be worth your time to talk to a professional.

I started putting money into the work 401k when I was 21. Converted to roth 401k when that came available. My company does a 2/1 match up to 4%, so I have to put in the 8 to get the 4. I've invested as much as 18% before, but I've never maxed it out to the yearly limit.

Anyways my wife and I met with a financial advisor this year after having our first child. He used his projection tool and said I was on a current track to be overinvested for retirement. It would be in my best interest to back off the retirement account to build up the emergency fund even more and pay down our house faster since I was sitting good on my retirement account. I'm sitting at 10% right now.