[quote=Homeschool2Boys]Our marriage and our kids are happy, so I think all I need to change is MY situation, and somehow reduce our expenses, by either selling or refinancing.[/quote]
Homey,
Your problem is not your house, nor is it your finances. Your problem is that you have set too high of expectations of yourself. Go back and reread TemeculaGuy’s post, and then read it again, and again, until it manages to sink in. Then do a serious reality check.
From what you say, making 270k a year, mortgage of 62k a year, you should still have plenty of money to relax and enjoy life. Sure 100k is gonna go to taxes, but that’s still 100k left over. If you cut your hours, that will be less, but hey, why not follow TG’s advice and refi to a 30yr?
The more I reread this thread and your posts, I can’t stress to you that I personally think that selling your house would be a mistake. The disruption and transaction costs are much higher than you might think. You’d have to rent for several years if not longer, maybe moving a couple times. Things your kids and wife might not deal with well. And selling your house will solve nothing, because the problem is not your house, or your finances, the problem is that you haven’t found the calmness inside you to relax and enjoy your life. How to do that? I’m not so sure I have a ready answer, but let’s at least identify the real problem.
Just my opinion mind you, but hope you find it helpful.
