It is not too late to fund your 2007 Roths. You have until April 15, so go ahead and do that if you have the funds available. Even if you can't fully fund it, put in what you can.
I think you should always have money set aside for a car because you never really know when you might have to replace one. In the past 8 years, we had to replace 2 vehicles that were suddenly destroyed. You could take that money out of your EF but might prefer to have money in addition to your EF for that purpose.
Beyond that, I'd suggest boosting the 403b contributions. 10% is a great start but 11% or 12% or 13% is even better.
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Steve
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