I agree with Geroge_PA and eman resu - Don't leave an employer match on the table. You haven't said one way or the other whether you both contribute enough to get to the match, but that's the first thing I would do. If you don't, you're effectively spending 3% to save 1.36%.
Great job paying down debt and getting a big monthly savings number. The plan sounds good, but since you asked for the most efficient way please consider this:
For every $100 you "save" in a tax deferred account (401K, Traditional IRA, HSA) you will receive another $25 to "save" elsewhere. So let's say your high end estimate of $3,000/month is achievable and you can put away $36,000 this year. If you save it according to your plan you can save $42K:
Roth's = $11K
401K = $17,500 (Net of 25% tax savings of $4,375)
HSA = $6,500 (Net of 25% tax savings of $1,625) - I don't know all the HSA rules, so this limit might be off, just stick with me for now.
Taxable = $7,000 ($6,000 of this is only available because of your tax savings)
Consider this alternate plan - still $3,000/month $36K/year savings. If you save it according to this plan you can save $46,470:
Your 401K = $17,500 (Net of 25% tax savings of $4,375)
Wife 401K = $17,500 (Net of 25% tax savings of $4,375)
T.IRA's = $11K (Net of 15% tax savings of $1,650) I switched to 15% here since your taxable income just dropped $35K from the 401K's-this assumed about $22K in exemptions/deductions.
HSA = $470 (Net of 15% tax savings of $70)
Now, when you take this money out of the tax deferred accounts you will pay some tax, but with a slow IRA to Roth IRA conversion you might not have to pay any federal income tax at all.
Read these:
http://www.madfientist.com/retire-even-earlier/https://forum.mrmoneymustache.com/ask-a-mustachian/4-withdraw/msg187544/#msg187544 - read my reply #12
Lastly on the wife's high expense ratio, by not contributing to this you are giving up a 25% tax deduction in order to save 1.36%. Take 1.36% off the $17,500 ($17,500*1.36%=$238) in my scenario and you're still left with $17,262. If you save it in an after tax account you are left with $13,125 (since you have to pay the tax first). Also, have your wife check to see if she can take in-service distributions. This would allow for her to convert her 401K funds into an IRA that she can put into index funds.