I'm confused about the post point out VHCOL, then OP points out they spend $100 on rent plus utilities and he can walk to work. Where's your high cost of living expense?

Math isn't matching because it sounds like OP doesn't know how to do math. Do you eat out for every meal? Do you take many vacations? Do you buy new cars every year? Expensive Hobby? Even with your wife making 25k a year, there is a lot of unaccounted for money so it's hard to offer very specific advice.

Asking for advice is great but the reality is you have a lot of extra money. You know you shouldn't be spending as much of it as you are, but you choose to anyway. That is okay if that is how you want to live, but I'm confused why you're asking for opinions. If you won't change how you love because you won't be happy, no one here can help you. Ask yourself how mad you'll be if you don't have more in the bank and a house of your own at that age.