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One of our problems is that DH needs a change (from the toxic job) for the sake of his health and well being

Not to use you as an example, but yeah, so, this is why my DH stays in his public sector job which does not pay well. Also, he doesn't want to advance (and earn more) because he would move up into a purely supervisory capacity where he wouldn't do much/any of the work he enjoys, so...We could move, and he might find something better, but WE HAVE A FULL DAY GIFTED PROGRAM that is working okay. I mean. We are not moving.

He does get a hell of a lot of time off! This is quite nice for the family. (Note: his other benefits are pretty awful...so much for the "cushy public sector benefits" argument. But PTO--yes, it's good.)