We are a bit like you guys as we cashed out in Feb. 06 and have a young family (expecting #2 any day now). I have the same concerns at getting my daughter into the right schools, but she is only 2 1/2 now so I have a bit more time. If I were you I would try and get a rental at least in Encinitas. This would at least put you in the school district you want. I have a friend that taught in the area, I will ask her for an assessment of the different schools and post it sometime this week.
I too don’t think it is such a big deal to move within the same area if you have to when the time comes to buy a home. If your child is just in grade school they will adapt very well. (on the other hand if my child was late Jr. High or beyond, I don’t think I’d want to disrupt their school ties).
Best wishes for your decisions. I also congratulate you on having that much cash in the bank at your age (we’re just a bit older than you). You have done all the right things up to this point for you and your family’s future and now we just have to keep emotions out and stay the course!
