Well done paying off that student loan!
I'm not a fan of owning cars that cost well into the five figures, especially before one reaches millionaire status, so on the next couple of months I'd suggest your looking into selling your current set of wheels, retiring the loan, and replacing it with something that costs $9,000 or less. A seven year old Camry or similar would fit the bill nicely -- even big enough for a couple of kids in baby seats in the back. You can clearly "afford" (= make payments on) the fancier car you have now, but if you run the numbers you'd be shocked at how much of a wealth drain it is to buy new cars on a regular basis. Get a leg up and go frugal on your wheels. This will also make you 100% debt free, which is an awesome feeling. Try it sometime.
Beyond the car, $40,000 in non-housing spending for a childless couple in a medium cost of living area (Western NC is not NYC or SF by any stretch, so it isn't a HCOL area) probably hides an additional $5,000 to $10,000 of easy fat to trim -- whether it's finally giving another wireless carrier a try, looking more carefully at your food budget and mindless Starbucks habits, and similar. At your income level it is less about being as thoroughly spartan as possible and more about making sure that your spending really does improve your life, and cutting out those things which cost money but don't improve things all that much.
My usual advice to young couples starting out is not to rush into buy a house too soon. Even with a starter house, which you don't think you're keeping forever, you should plan on staying put for 5 to 10 years to make the transaction costs of buying worthwhile. Until you have one kid and know whether you will have more, you run the risk of buying the wrong house in the wrong neighborhood which can be costly.
Your family income puts you will inside the 22% federal tax bracket, plus the 5.5% NC state tax bracket, so I'd say it is more than worthwhile to max out deductible 401k contributions at each spouse's workplace before putting away any other form of savings. After that, you're looking at amassing a $60,000 to $80,000 down payment fund, plus any emergency funds on top. I'm a big fan of maxing out Roth IRA contributions and then contributing to a short-dated muni fund in a taxable account for emergency savings and house fund. Depending on your goals and timing you can invest the Roth contributions in bond funds to serve as stealth house-fund savings -- because you can always pull out Roth contributions tax and penalty free (but not earnings). In case you don't end up using the Roth funds you've preserved useful space inside a tax protected account and can then reallocate to a retirement portfolio; in case you need the money it is there without much hassle or loss. One way I like to cut it is to deem the cash in the taxable account to be the house fund, and the bond investments in the Roth to be the emergency fund. When you buy the house you completely drain your free cash in your taxable space and then pray that an emergency doesn't strike while you rebuild a taxable emergency fund to protect the Roth. But if disaster strikes, you can tap into the Roth without tax or penalty if you really need to.
Beyond all that, you are young enough to really start thinking about what shape you want your life to take. You've clearly made a lot of progress in a short period of time, landing jobs that provide a good income and using the income sensibly to improve your balance sheet. I usually suggest that people who are minded to have children start sooner rather than later, once you're at or past your mid-20s, because it doesn't get any easier when you are older and more worn out. It will slow your march towards building enough savings to achieve financial freedom (between a parent cutting work to watch the children, or paying professionals to do the same); but even so, a happy family and financial freedom inside of about 10 years are both within your grasp if you put your mind to it.
Finally, before you have your children, budget a bit for those "now-or-never" experiences -- a big trip to Europe or South Africa, or a course or a skilled hobby you might not have time for later, like scuba or flying lessons. I'd suggest strongly resisting the urge to buy gear and equipment and toys if you do something like that, which will just bog you down, and instead focus on an experience or intangible skill that will stay with you, and which you can revisit once your children are school aged and you've retired a millionaire before age 40.
