You guys are doing really well for yourselves. Do you want kids? If you do I would start considering looking for a house to raise them in. I would also consider a 529 plan. 529 plans are a good way to avoid taxes like a Roth. They do have to be used on education so if kids don't come into the picture you'll have to use it on someone else's kids or take a tax/penalty hit. That's my advice if you want kids.
If you don't want kids I would consider going on some vacations since all your travel last year was for other people. Do something for yourself. Buy that car you want.
Debt - Depending on interest rates you could get rid of the student loan and car payment. If interest rates are pretty low I would let them run out, but my guess is the interest rates are higher than your savings account so you might as well take care of them.
Do you guys have any hobbies? biking, photography, bowling, flying kites, astronomy, animals, cooking, juggling, technology, collecting stuff, brewing beer, making wine, making soap, carpentry, gaming? Consider dumping some money into a hobby to make life more interesting.
Charity - You could always give some of your money away. It'll help someone and make you feel good about yourself.
Those are just my thoughts: You guys have done very well for yourselves. You have an efund, you have the 20% DP for a house, You're saving. I would spend a little bit of money on myself if I was in that situation. You've earned it.