No. of Recommendations: 1
How about this scenario:

Move out of San Jose. Use equity to buy a nice home, in a nice area, near things you like to do, with decent schools, for cash. Use remaining equity for investments: stocks, down payment on an apartment building in same area, etc. You stay home and raise the kids. Your hubby comes home at 5pm to play with them and retirees early if he wants to.
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