Seems like your recommendation letters will make the difference between a top 10 admit and a top 20 admit, imo. You have a decent profile bar the lower GPA, but a pretty solid math/econ GPA. I don't know how much working two years will really help you. Perhaps it will show your maturity and ability to work under pressure but it may end up hurting you more because in the end it's still time away from coursework and may reflect negatively. I think you have a great shot at a school on the edge of the top 10 and most likely schools in the top 20. I don't know enough about specialties of each school to make a recommendation though.