Wow, I'm curious about what kind of car you have? 13 mpg?! That's barely better than my ridiculous V-10 F-250 horse trailer towing machine. For less than you owe on it, you could buy a brand new Prius and save a ton just on the gas, insurance, tires, etc. No excuses about poor reliability, lack of warranty, etc. I also have a 2012 with 21K miles on it, but I've decided to keep it. However, it gets over 40 MPG and I owe under $10K now, @2.79% interest. Maybe try looking at the "true cost to own" for your vehicle compared to something more economical, in a late-model. You don't have to drive an old clunker to make a big win by getting rid of that car. Look at the cost savings, and what that is taking away from your potential retirement stash. It doesn't sound like your 401(k)s are being maxed, so if you save a couple hundred on vehicle expenses, how much is that in pre-tax income that could go towards retirement funds, and start earning 7% interest? Or how much more quickly could it help you kill those CC balances? Every time you look at that car, if you think of how much it's robbing from your future freedom, you might not stay attached to it for long.
I can actually relate to your post quite well, as I also lost a bunch of weight amidst an early-30's "bored, is this all there is?" phase and started streamlining my life, then ended up here. We even have similar income levels and housing costs/mortgage balances. If you can get your expenses down, and ax your debt you'll have many more opportunities to "blow up your life". If you or your spouse wakes up one morning and realizes that quitting the lucrative job to follow a dream of writing a book or whatever would lead to great happiness and fulfillment - well, that would be much more possible with a nice cash cushion, more secure retirement savings, and fewer/smaller fixed expenses. Or if an opportunity to work part time and spend more precious time with the kiddo comes along, would you want to be in a position to jump on it? Is a fancy car with fancy tires really worth possibly forgoing a big future opportunity? It sounds like you've taken some great steps, but I also agree that you're not too far from, if not financial ruin, quite a bit of financial hardship. We don't have the whole financial picture of where that $8300 a month is going, but it sounds like if one of you lost a job, or could no longer work, it would be a huge problem. Wouldn't it be a great feeling to know you could not just get by, but thrive, on one income if the other one was lost?