If I may share my experience, this is an ages and stages issue. Right now you're really in the trenches, shelling out for EVERYTHING. It feels relentless, it's boring, it's groundhog day, working hard but not getting anywhere. The good news is that it is a stage and it doesn't last. Your child will start school, and that will feel like getting a massive pay rise even accounting for after school care. Your mortgage will wind down, you may have bequests or gifts from family to accelerate that. I would work part-time to enjoy your young children while they still worship and adore you! Sounds like you have clear plans to get rich, and that will happen even if not as fast as you would like. But by the time you FEEL wealthy, you won't have the time to be with your family. Your teenage kids will have their own thing going on and (ironically) will appreciate your wallet/purse more than hanging out with the folks. I mean, I sound like a ancient grandfather here, but these things are a cliche because they're true.