Older, a bit wiser, still want more money

Just refinanced again, less than two years later, on a 15-year fixed rate loan for 3.25%. Ran the numbers, very likely to be in this house for the whole term, and came out ahead, even with all the fees. Payment now is roughly the same as before, with no more HELOC, and with a little added to each month, I can get the whole thing done in about 14 years when I'm 52. Both kids will be in college, and I'm sure the extra monthly payments will be going to something else.

Family is earning more, thanks to two full-time jobs in a public school district. Thankfully, wife now even has a contract, something that hasn't happened before, which bodes well for her stress level at the end of each summer, and may make what happened last year unlikely to happen again - working for a private school which doesn't pay. The two incomes, spread now throughout the year, should help us pay down our 0% debt faster and hopefully give us a bit more cash throughout the year. We'll still use our tax refund ($3000 less this year) money for our summer trip, but having steady paychecks next summer will allow me to skip summer school (thank God).

Happy to see some investments tick upwards, but since I'm still 15 years away from even thinking about cashing some out, they can do whatever they want while I'm dollar-cost averaging. I've begun putting a good chunk away each month for the wife's Roth to go along with almost maximizing mine. If after several paychecks we're working with a surplus of cash, I'll consider putting more in to hers each month and topping out mine. To maximize the Roth, we'll need $5000 each by next April 15, but at the current rate, I'll have just over $4000 and the wife will have about $2200. Still quite a ways to go. In addition to this investment, both my wife and I are putting just a $50 each paycheck towards our 403bs, just for kicks. I'd rather max out the Roths then put any more in those accounts. I-bonds ($50), 529s for both girls ($150), and $50 towards a stock round out our monthly investments. That's about $1000 per month, which is about 17% of our take-home pay.

My Jeep is 10 years old now, and losing its reliability. Just trying to hang on another 1-2 years so my father will sell me his 2011 Jeep at a nice price. Wife's Jeep is not driven as much or as hard, and should last for a while. It's nice not making payments on either vehicle. Marriage is just as old as my car, which has gotten me thinking of another investment, trading up the diamond. On that note, I now time to think.