Hello fellow LA mustachian. If you're near Santa Monica let me know (can private message if you want).
I think you should max out the 403b/457b, you have plenty of savings that you won't need for a while. If the investment options are the same, the 457b should take priority since you can withdraw that early without the 10% penalty, just ordinary income tax. This will give you the $37k with only $18k penalized if withdrawn early (i.e. for down payment on a million-dollar shack in LA).
Next step would be the mega backdoor Roth. One reason is you won't be with the employer forever, and the next one may not offer this. You can always withdraw the contributions without penalty if needed. This will give you $54 - 9 - 18 = $27k in savings that can be withdrawn if needed. These two strategies will account for half your available savings.
For your remaining taxable savings, look for funds that have low dividend distributions. Vanguard has several. This will minimize potential ordinary income tax on certain dividends and push more of the earnings into capital gains, which is much more tax efficient at our income level. Some people suggest municipal bonds, but I think the federal taxes on the dividends and lower yields outweigh the state tax savings, even in California.
See if your employer offers a deferred compensation plan for you or your husband. If he works for the UC system, they have one. It may not be that helpful if you all are planning to leave the company in the next few years, but could be a consideration.
Moving to Ally and removing collision coverage for vehicles are good ideas. They are small pickings but no major downsides.
Your food and restaurant budget is too high. Look into grocery stores that sell food at a discount like Smart & Final. We were spending the same amount until we switched stores and bought an Instapot. That halved our spending with minimal effort.