You both work from home. Why do you need before and after care? My husband works from home and I occasionally do, but we put our kid on the bus and get her off the bus. She does her hw and gets a snack and plays while we finish work. She’s second grade, but we survived 2 years of full virtual prior with us both working. You could save money just by getting them on and off the bus yourselves.

You are paying 3100 a month in child care. Once school starts (as in the kids are old enough) you are going to get a 3100 a month raise for 9 months out of the year. I’m assuming you’ll need summer camp which is still expensive. I personally wouldn’t throw away a job I like when pinching pennys for a temporary expense (which child care is a 5 year per child temporary expense). Fwiw, we have similar incomes, and once daycare goes poof, you get a lot more breathing room in the budget.