<human>: I've read some crazy stuff about compounding interest so I really like the idea of getting ~3k / yr into that or so....sorry for the huge read

Rent/util 400/mo
Wife's student loans = 250/mo (about 24k total)
tithes - 320/mo
Phones - 2x straighttalk so about 100/mo
groceries - about 200/mo
auto insurance - 2 cars  120/mo
internet - 60/mo
Alcohol/Dining Out/Entertainment - 150/mo

I get reimbursed for mileage that i drive (about 1k miles a month) so it usually pays for the rest of my non work related driving, which is nice
Other random expenses (netflix/toiletries/cat food/etc) - 150/mo

Recently paid off a ~5k medical ER bill about a year early. 
no other debt besides wife's student loans and about 200 on the credit card
my question is - how much should we set aside in a seperate bank account to save for a downpayment  for a house, and how much should i try to put into my employee 401k? In 3 months I will have been employed there for 1 year.

After 1 year my company matches up to 4% of your salary at $0.25 match per $1 contributed

Can you condense the text into three sentences or less?
<bot>: combined monthly income about $3200,   about ~1400 left after all expenses. up to 4% match at 25%