I'm kind of a big picture person, myself. So. I'd like to expand the options -OP wrote a long-term plan so we don't think, "oh, this will be gone in August then we can buy that boat!" :) Are there things you would do if money were no object?travel (singly, as a couple, with the family) - A historic tour after the kids are reading: Smithsonian Institution, Gettysburg, National Parks, Williamsburg and Plymouth Plantation. sail the South Pacific Bicycling - http://www.crazyguyonabike.com/doc/page/?o=1&page_id=359...lessons (singly, as a couple, with the family) - music, more languages [did you know there are summercamps - we sent DD to Concordia in Minnesota]Help the children learn a trade they can make money at, as well as succeed academicallyservice (singly, as a couple, with the family) -volunteer in your town [public library, Scouts, whatever nonprofit appeals to your ideals]Your situation is pretty comfortable, so I suggest considering dreams...YeilB
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