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[quote=Anonymous]OP, it will be okay.  Seriously.

First step.  Forgive yourself for the business failure.   A lot of excellent entrepreneurs couldn't foresee or navigate the global pandemic or the government shutdown of various industries.

Next step.  Stop trying to keep up with the Joneses.  This is  THE most critical step.  Get off DCUM and get on Mr Money Mustache.   Stop trying to spend money to impress people you doeven like.  Get your spouse on the same page, if possible.

Your kids will do just fine a cheaper schools, or 2 years of community college and transferring.  Seriously.   Just have an honest conversation with them so they have reasonable expectations.

You have built more of a nest egg than most Americans and you can retire to a LCOL place.  Perhaps internationally.   I know people who live very nice quality of lives as expat retirees.

A second career is totally okay, and it might refresh you.  Hardworking people can thrive anywhere.

You can do this.
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