Applying for jobs isn’t necessarily a bad thing. I do think you have a great situation right now, but it doesn’t hurt to keep your interview skills sharp, or even just make the connections with recruiters in case something did ever happen with your niche small business job you’d have an easier time finding a new one since you’ll know what’s actually available. Even if you get offered a job you interview for, you can always decline.

That said you do have a pretty good sounding situation right now, and your combined income is pretty high, it may be easier to review your budget again and see if there’s anywhere you can cut down on. If there really isn’t, then maybe just wait until your kids are a few years older and childcare costs are less, then you’ll have a lot more to save.