I support the home schooling, but if you decide to stay in the house, can your wife find a job she can work at from the house? I think you both have a lot on your respective plates, but if you die, then the whole family loses. TG is right, figure out how to scale back your hours while you still can. I would not worry about an arbitrary date like having it all paid off by age 50. How about being healthy and happy at the age you are at. I think the kids would prefer both parents and less house if they are given a vote.
