You're making excuses. Beer is expensive here. We're already pretty frugal. The cars are a hobby. Yet you're looking for advice, so clearly you're not entirely satisfied with your current financial picture. You can't make changes and excuses. Sure, some things are going to be un-alterable, but the only thing you've said you could change is your gym membership. $35/month isn't going to suddenly allow you to buy that rental property that could make a real difference in your financial picture.
You're earning a very good salary between you, and you're expecting to begin saving a good bit -- that's good, but why aren't you doing at least some of that that now? I understand that the wedding is a temporary expense at the moment, but what are you putting aside now? You're bringing home 10K/month, yet you don't mention any savings thusfar?
You're overspending on cars. Adding up the several categories, $600 is going to cars. You're commuting 8 miles, she's commuting 2 miles, yet you're spending $250/month on gas for two fuel-efficient cars and one rarely driven fun car? That doesn't add up. You're young, and it's time to build wealth -- it's not time to splurge. Looking at your numbers, this is not a hobby you can afford.
Your insurance seems very high. I just this morning paid my insurance for the year, and it was $3095.33. That's for the house, three cars, and four drivers (two of whom are teens). You're spending about $500 more . . . for half as many people. Look into raising your deductibles; in 30 years of driving and 23 years of home ownership, I've never once filed a claim . . . but I've paid much lower premiums because I take the risk of the higher deductible.
You didn't include groceries on your list. This is a place you have a great amount of flexibility.
I suggest that -- at this moment -- you do nothing. You're only weeks away from your wedding, and that should be your focus. Yes, you need to reign in your spending and put your paycheck to work for you, but this is genuinely a once-in-a-lifetime event that is worthy of all your attention.
After the wedding though, it's time to get to work. #1 on your list should be setting financial goals as a couple. What's your timetable for finishing the house? For paying off the house? For children? For retirement? Never assume that your spouse has the same goals you do.
Ridding yourself of the student loan should be #2 on your list; you're bringing home 10K/month, and the debt is only 15K -- you can be done with this by the end of 2013, which will allow you to begin the new year free and clear of everything except your mortgage.
And after your wedding, work on a budget that allows for aggressive saving and finishing the renovations on your house. Personally, I'd vote for paying down the mortgage ASAP, but that's an opinion.