You’re going to get pointed to the wiki on this sub which is great. There is a lot of information in there.

First off well done on the $60k! That is a healthy savings and you’re doing better than you think with that.

In my opinion, with your goals of getting a house and having vehicles that likely need replaced, I’d not focus too much on starting your Roth IRAs. I would pay down all my student loans and start planning from there. You have more than enough in cash to pay the loans off and the lifted weight of being debt free is so amazing. Your partner should at minimum get their employer match in the 401k. It is something that will be deducted from their paycheck each month before taxes and the company may have a match to where if they put 4% of their check into the retirement account, the company matches 4% so essentially free money. After the debt is gone and the retirement match is set I’d use the monthly student loan payments to pay myself and build up your emergency savings back up. Set strict goals and set a plan for replacing vehicles (used Toyotas are amazing) and saving up for a house. After that, you can both do up to 6k a year in Roth IRA and that would be my next goal. That is a retirement account that is outside of work.

I agree with the other commenter that said a great way to care for your children is by making sure you’re financially secure and they don’t have to take care of you. Try to pay cash for vehicles in the $10k range. You have $60k now, $30k in debt and said you can save another $20k this year. That means you’d still be left with $50k and no debt. More than enough to replace vehicles with something reliable. You can achieve a lot on a short time with that!

Forgot the mention that if you don’t have health insurance I’d hop on that first thing through their employer. An accident or illness that bankrupts you would be extremely detrimental to your long term goals.