Thanks! Where do I find the case study form?
Right here :)
It sounds like you guys are off to a great start, honestly. No car debt, high home equity, and you're already saving at a young age. That's a great place to be in your 20's.
Taxes-wise, once you take out your deductions and exemptions, you're well under the 15% bracket, and if you maintain your current spending levels, you'll be looking at very little federal income tax in retirement. One realization I came to recently is that (and I hate to say this) Roth IRAs are overrated for mustachian people. The reason is this: in retirement, your income is going to be low, so your effective tax rate is going to be really low. Thus, the tax-free withdrawals from a Roth aren't as beneficial.
Assuming you have $40k/year outside your spending, and that you're taking the standard deduction, here's what I'd suggest:
1) contribute enough into your 401k(s) to get the maximum match.
2) contribute the max into two traditional IRAs ($11k/year)
3) contribute the rest (down to your $44k spend) to your 401k, assuming it has low fees. Otherwise, stick it in a taxable account.