Congrats on a good start! I have 11 years on you, and wish I had the intelligence to pursue index funds at your age! (woulda, coulda, shoulda)
About your future house - While I definitely would never advise someone of over-reaching on their home and buying 'the most home you can afford', there are some particular variables at play currently:
-Mortgage rates we very may well NEVER see again in our lifetimes (or, if we do, it'll be when we're 80 and don't need a mortgage). Incredibly cheap loans are not always available. Getting a 30 year mortgage on a larger home you can stay in could be worth it, pending other variables. The biggest is that you are interested in getting married and having kids. School districts and particular opinions of your future spouse are a big one that impact what house you buy
....so your work now may be for naught if your future spouse can't stand your house.
-Transaction costs: because of the sometimes significant costs of buying/selling a home, it is something to keep in mind of staying put in the same house for 20-30 years vs moving around. Everything from closing costs on a mortgage (1%-2% of the loan amount, sometimes more!), 5%-6% realtor commission, the emotional and mental anguish of looking around for your next home (and the headache of paying for and living in a rental if you don't see a home you really like), moving costs (time and $), etc. If you see a great deal for a great house that has a size you could still be in with 2 kids (2 or 3 bedrooms), I'd say give it some serious thought due to both transaction costs as well as likely not having similar opportunities for low interest rates again.
On the 'negative' side, buying a foreclosed home can be very tricky. You wouldn't believe how some previous homeowner's treat their soon-to-be-repossessed home: some people are respectful and honorable, and leave it be. But others do everything from sell appliances (even built-in ovens!) to ripping out copper plumbing to sell for scrap! Buying a foreclosed home can have few problems, or require a TON of work. It can be a great learning experience by remodeling yourself (which is what I did with my 60 year old home I bought, which hadn't been remodeled in 40+ years!), but be careful with taking on too many problems. If the home is structurally sound with just cosmetic updates needed or reasonable kitchen/bathroom remodeling, go for it!
Just remember that your remodeling will likely take longer than you realize.
(and if you need any tips on finding great prices on appliances/tile/fixtures/etc, feel free to PM me)
Should I max out the vanguard roth IRA? Or put 50/50 in savings and roth? As you can see I have more in savings than I do in retirement/investment funds. Should I start changing that?
I'm a big believer in diversification - including in taxes. What is your current marginal/highest tax rate? If you're in the 25% bracket, I'd assume that rates will be about the same when you retire (assuming married), or perhaps slightly higher %-wise, so I'd favor putting, say, 2/3 into your ROTH and 1/3 into your 401k.
The reason I'd never put 100% into one or the other (for your situation) is that tax rates are purely a function of politicians, and have nothing to do with 'fairness'. My favorite example: Social security benefits used to be taxed just 50%, the reason being that when you get your paycheck, you're paying income taxes today on the SS money that's deposited into the SS trust fund, while the equal amount your employer puts into the SS trust fund isn't taxed. The theory was that when you draw SS, 50% of what you receive wasn't taxed (the part paid by your employer), while 50% of it was when you earned it, so only 50% of your SS income would be taxed when you retire.
However, about 20 years ago, Washington changed that such that up to 85% of your SS is taxed. So in essence, up to 35% of your SS is being double taxed (once when you earn it, and again when you receive it).
So for those who think "The ROTH is forever tax-free! They'll never tax it!", just look at what politicians were able to do to SS (despite the huge SS voting block), and realize the gov't could easily pass anything they want (asset tax, special ROTH tax, etc.) which might hit a ROTH. By diversifying your taxes, it's just like buying an index fund - you may not reach the stars by having the absolute best possible outcome with the best-performing mutual fund, but you're 'guaranteed' to reach the moon and outperform many other people who rolled the die and picked wrongly by putting 100% of their contributions in the wrong account 20-30-40 years ago.
Having said that, in my particular situation, I'm putting 100% into my traditional 401k at work, because of my current tax bracket and what I expect my tax bracket to be when I retire (less than it is now).
Also, don't forget to make sure you have a good amount in taxable funds that you can access without an issue to fund your lifestyle. Retiring in your 50s would still call for a prudent withdrawal rate of perhaps 3.5%-4%, which would initially come from your taxable funds until you can access your ROTH penalty-free (although you can take contributions out penalty free).