The $655 leftover plus the current $150 going into Roth would almost max the Roths for the year ($805*12=9660).
If you can find another $30/month you can max Roths for both spouses.
This would create a car insurance issue because the money would be spoken for each month.
You also need 3-6 months expenses in an emergency fund. I would suggest maxing the Roths NOW and temporarily allocating the $200/month extra on the mortgage to the emergency fund.
Once you have 12k in EF, I would look to either use the $200 to pay down the mortgage or use it to fund other expenses (like car insurance).
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