Lucky,
You're doing great. Some miscellaneous thoughts.
If any of the student loans are at low interest rates, I would not be in a hurry to pay them off. Is the interest tax-deductible or does it phase out in your case? Too late now, but you may have been better off to take a cash out refi for $260k and use the proceeds to pay off the student loans and car loans. Then you would have 3.5% cost of money that is fully tax deductible.
I agree with others that it doesn't make sense to count on the pensions at this stage. Once you're vested, if they are financially secure you can factor them into your planning, but at this point they are gravy.
Given your income, tax deferral is your best friend, and the 401k contributions help there. Also, max out Roths for each of you if you can. If either of your employers offer a HSA, jump on that too.
You may find good muni bond funds attractive for some of your taxable savings.
Since you have had the whole life policy quite a while now, it is probably worth keeping if it is with a solid company. Look at the increase in cash value last year compared to the premiums that you paid less the cost of term for the amount of coverage that you have. If the increase in cash value exceeds the premiums less the value of the insurance coverage, then IMO it is a keeper. In fact, even if it is close it may be a keeper as it may crossover soon.
Finally, get a hold of Quicken and put together a plan using Quicken Lifetime Planner so you can see how regularly saving and investing in no-load, low-cost mutual funds can make your dream of early retirement a reality.
P.S. Don't forget to have a bunch of fun along the way too. You never know, life could be short but it is prudent to prepare for it being long too.