<human>: Can you summarize the given text in a few sentences?

I am 25yo, my fiancée is 26yo (Getting married in September; wedding is already paid in full). We are both recently out of graduate school. I have no debt, but my fiancée has $20,000 in student loan debt. Both of our cars are paid off. I make $45,000 a year and she makes $55,000. My fiance recently received a windfall of $10,000 and we are not sure what would be the best way to invest or save the money.

 
Please give any advice or opinions about what we can improve or what we should be putting money towards. Any advice about finance going into marriage? We are stable financially and both have good spending/saving habits, but down the road we would like a house (20% down payment), a kid, a dog, etc….
 
Mine:
Savings: $4,500 (Goal: $10,000 emergency fund)
CC: $0 debt (paid off every month)
Roth IRA: $10,500 (Max it out every year for the past two years) $458/month
Taxable Investments: $2,500 (VTI and a few Biotech stocks) Contribute $150/month
401k: Not considered employed (post-graduate fellowship) so no 401k option exists.
 
My Fiancée
Savings: $3,000 (Goal: $10,000 emergency fund)
CC: $0 debt (paid off every month)
Roth IRA: $ 5,000 (She will contribute ~ $2,500 this year)
401k: $3,000 (50% match up to 6% of salary…she contributes 6% each paycheck to max out the company match)
 
Expenses
Rent: $1700/month ($850/month each)
Bills (phone, power, water, cable, gym etc.): $200 each
Groceries: $400 / month ($200 each)
<bot>: I make $45,000, my fiancee makes $55,000 and we just received a $10,000 windfall....what is the financially responsible thing to do with the money given our finances?