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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]OP here. Spouse makes $170k plus small bonus (maybe $5-10k a year), so this would be a big drop for us. We ran some numbers and spouse and I agreed that looking at the numbers, our deficit would be around $30k a year without me working. Hence, teaching job..[/quote]

I'd suggest cutting expenses (and see if you like living like that), while doing that for 6-12 months, funnel all of your "extra income" into college for the kids.  The older two should have about enough for in-state if you keep it in aggressive investments for now, but add $10-20K to each to be sure.  But the 4 yo needs a good kick start for college.

Then you can retire/work a PT time and not have the addition of needing to save for college
[/quote]

OP here. This is such a great point. Question, there are some home renovations I’d like to do before quitting. I don’t think we will be able to cash flow them after, so should I just do them now and extend my quitting deadline? Or is that dumb? [/quote]

I'd keep working to cash flow the home renovations and ensuring you have enough for college.    If you are able to keep working.  
Then again, how much are those home renovations?  Can you fund it with an extra year?

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