If you are planning on saving 80k in post-tax dollars, then you really need to learn about why saving in a 403b/401k/457 is beneficial for your long term goals and will enable you to retire earlier. It is a bit complicated at first but you are going to have to get over that hurdle by learning about it. Luckily you have plenty of time to learn. If both you and your wife max out 401k/403b and roth IRAs you will end up with:
Tax deferred: 36k
Tax advantaged: 11k
Brokerage: 33k (actually this will be significantly higher because your tax deferred contributions will lower your taxes) figure this will be closer to 40k
You are going to need funds after turning 60.
My best advice for your is to read everything you can on the following blogs: madfientist, go curry cracker