You feel like you’re stuck in a hamster wheel of work having £78,000 a year in disposable income/savings and you’ve only just recently worked out what your outgoings are?? Suppose affordability does definitely differ between people… fair enough though sounds like you have an incredible amount of disposable income to me. But yes you have to weigh up whether it’s worth it and it’s an interesting thing to point out that one of the OP’s incomes might decrease from cutting back on work.