Welcome!
I'd want to see you build up your EF to at least $12,000, which would represent about 3 months of expenses. Realistically, $10,000 would be 3 months since there are things on your list you could easily cut out if it became necessary, but 12K would be a good healthy EF.
What is the interest rate and type of mortgage? If it is a reasonable rate and fixed, I would stop paying that extra $200/month and instead use that toward maxing your Roths.
I wouldn't be inclined to prepay the auto loan. 5% is pretty reasonable. I'd rather see the money going into the Roths and the EF.
I'd also look into trimming back the TV bill. Around here, I think we can get Dish for $29 or less.
By the way, where is that "leftover" $655 going currently?
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Steve
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