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I have to disagree, I'm reminded when Dave say's personal finance is 80% habit and 20% knowledge. What I see is an OP with a 125k noose around his neck and no great concern about it. People who learn to be comfortable with debt never really get out of debt and make bad consumer debt choices along the way.
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Au contraire, Matt.
I don't get any sense that the OP is somehow lackadasical about reducing debt.
I realize you are a Dave Ramsey cultist but debt does serve a purpose.
(it's okay, there are Vanguard Cultists here too and I am a "Silver Bug")
The OP makes 210K/year and obviously, by the breakdown below, he and his wife have invested a lot into higher education, and probably into careers that nobody wants to do (thus the high pay. . .if they were social workers, they wouldn't be making 210K/year).
I see his financial future as pretty strong, even if he just continues with an extra 20K/year of debt reduction.
What many here don't realize is when you make 210/year, you are going to be taxed to hell. . .so putting down an extra 20K/year is really nothing to sneeze at as he probably only brings home 100K/year after taxes.
Many here just see 210/year and automatically assume that's what he takes home.
(just like many of my patients pay me $40 and think I shove that into my pocket)
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Primary Mortgage: $405K @6.25%
Home Equity LOC: $70K @ 4.49% (tied to prime so will rise as prime increases)
My student Loan: $35K @ 4.12%
Wife's student Loan: $90K @ 3%
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Personally, I'd retire the student loans first, unless the term is under 10 years. Then I'd do the HELOC. If the term of the student loans is close. . .then just let that die a natural death and do the HELOC and add 20K/year to reducing that.