8 months sober after being a drunk for over 20 years

Title says it. I was a heavy drinker and made some really dumb financial decisions over the last 20 years, mainly credit card usage.

Heres where I sit now:

Income: 2580 every 2 weeks after deductions and retirement savings

2600 / month VA compensation

Expenses:

Mortgage/escrow $1400

Utilities: average for all utilities is about $400

Vehicle payments: 3 vehicles total $1200

Credit card debt (27k @ 18%) right now paying $800

Financed home improvement: payment is $250

Insurance for vehicles: $129

Savings: $250 per paycheck (new since sober)

Savings: $100 per month each for both kids: $200 (new since sober)

Phone plan $160

Internet: 80

Groceries: $1200-1500 (includes diapers one kid and dog food for 2 large dogs)

I try to limit dining out to once a week= about 400 for the month. Life is hectic and sometimes that may end up being 5-600 a month

Leaving me with about $800-$1000 to cover random shit that pops up like vehicle / home maintenance, when one of the kids comes home needing money for school/extracurriculars, dog vaccinations, and hobbies.

Credit card usage has dropped to zero: I was litterally the guy who would drink all my money away and just put stuff on the card, even alcohol; then pay the minimum payment.

My vehicle payments will reduce by $425 next February and then another $260 in June of 2027, and the remainder will be paid by December 2027. I cant really sell one, 1 vehicle is for wife and kids, one is a commuter car for me, and the truck I use to pull trailers quite often, almost on a weekly basis.

How should I prioritize the money I no longer spend on drinking, and the future reduction in vehicle payments?

1 option I was thinking is to split the difference into credit card payments and savings 50/50. Is this a solid plan?

Another option I was thinking about is cashing out a 401 I have, that is sitting at 45k, paying everything off that I can, then maxing out retirement where I can after the fact. (Im 37, have a pension plan through my employer, plus 451b plan, and VA compensation). I would prefer not to do this option if avoidable.

Im not in danger of losing anything, repos, foreclosures etc.. everything is paid on-time.

Thanks for reading my ramble.