and honestly I’m not as prepared as I should be for absolute worst case scenario

Mentally I am okay, physically not.

I would have liked the kids to have still been young enough to enjoy my perfect lifestyle rather than being half arse there when they’re already half grown

yeah, I am hoping that I can do something soon-ish..

hope your wife blunders into the most amazing and fulfilling job ever after graduating and the double income vastly eases the financial pressure

She has decent contacts and is getting more through her thesis work so fingers crossed.

(and the benefits aren’t completely wiped out by tax 😖).

Finland, the land of taxes....