Actually, your spending looks great!

I think you're looking at $20,000 for school, $10,000 for a car, and ~~$500~~ $2,000 in moving expenses: $32,000.

Looks like you can save ~$4,200/mo. You have 13 months before ~~you quit your jobs~~ he quits his job, and you both move for him to pursue more education. That's $54,600 you can save.

So, take the money you have sitting in savings right now, ~~put $11,000 into 2014 ROTHs ($5,500 for you, $5,500 for him), and the remaining $2,500 toward the student loan~~ and pay off the student loans. Put the remaining $5,000 into a 2014 ROTH IRA for you.

$54,600

-32,000

$22,600 into retirement/debt repayment

$32,000 into cash savings at $2,462/mo over 13 months

$9,639 into your 401k at $1,071/mo (16% of your gross) for 9 mo, Aug-Apr

$6,000 into ROTHs for 2014 at $667/mo over 9 mo, **Aug-Apr**... $500 for you, $5,500 for him

Add an additional $6,952 into your 401k by upping your contribution to $1,738 (26% of your gross) for 4 mo, May-Aug

You'll end with a total of $16,600 in the 401k.

Starting in September, you lose his income and will have different expenses, so you'll have to completely readjust.

I did these calculations assuming the 25% tax bracket anyway. If you end up with extra money, beef up your emergency funds to 3 months living expenses, and put any remaining in 2015 ROTHs.