Mixed bag of mistakes and steps to correct, what’s my next step?

Long story short: O2E over 10, lots of financial mistakes in the past that I’ve finally gotten a grasp on after realizing just how screwed my future would be if I didn’t.

Finally seeing a light at the end of the tunnel and want to get all the advice I can so that I never fall into this hole again.

Income:
Me: O2E Pay + BAH with 5% going to TSP (Non-BRS)

Spouse: $36K per year AFTER taxes. (Will go up substantially once she is licensed in her field)

Savings:
$39K Liquid (Sold 1 of 2 houses to get there)

$24K TSP

Debts:
Car 1: 2022 Family car at 1.29%, owe $26K, car worth $40K.

Car 2: 2018 Small truck at 4.29%, owe $30K, car worth $33K

TSP Loan: $12.9K left at 3.65%, 48 months left, $280/m. This is the last of my financial mistakes left to clear off the slate.

Childcare: $720/m, non-negotiable.

Other
House: Currently about $90-100K in equity in our current home.

My debate at this time is whether the $12.9K left on the TSP loan should stay in our HYSA at 4.25% or if it should get paid immediately.

Once I can figure that out… what’s next? Would you do anything with our cars, I.e. take the equity in 1 of them for more money into the HYSA and downgrade? Etc.

I’m living proof that even our Senior Enlisted/Mustangs can’t always get it right when it comes to finances, but hey, I’d like to be living proof that it’s never too late to fix it.