re: What are your realistic 5 year financial goals?

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This is too high - unless your monthly expenses are outrageous (in which case, fix that first) - I wouldn't set that higher than 6 months of expenses - now you should have a car replacement fund, too - and $50k, total can fund both of those.

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I guess I just threw a figure out there, but currently 6 months of our expense is around 22k. Not sure where it'll be in 5 years, esp if we have kids and such. And yeah, included in that is a vehicle budget.

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I think 15% of gross, total for your Roth and 401K is a good goal.

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Well i'm contributing enough to 401k to get match now, and about we're both contributing about 1/2 the annual max to a roth until we build our combined emergency fund. Then we'll plan to start maxing both of our roths. Hopefully about a year/year and a half from now.