30 Year old, earning 60k about to have my first child. What am I missing?

edit :(Lots of questions about my pension. I earned way less than 20k until 2021 and have only earned over 30k for the last 2 years.)
edit 2: ( I'm very grateful and understand I'm in a much better position than a lot of people finically. Going from a relatively low salary to a high one quite quickly has me wanting to use my money in the best possible way for my families future)
Key points
- New job just started going from 40k to 60k
- 5% in pension since 22 (around 6k overall)
- My wife is on maternity leave so my income is our main source of money for the rest of the year.
- Have 10k in savings hsbc account
- 4k in premium bonds
- £50 a month going into bitcoin/eth (silly but fomo from knowing about bitcoin back in 2011)
- Own our house and pay 900 a month in bills and mortgage (fixed for another 2 years)
- Paying £150 a month on a 5k loan for a car.

Life is overwhelming and I have a feeling I'm missing out or could be doing something more sensible with our money. Please point out if this info is already available. I would really appreciate some advice from people who are/have been in a similar position.