Work 4 more years, retire at 40, in those 4 years your kids will grow and you will have a better understanding of how much you will spend with them, 450 for a family of 4 eating doesn't sound much, but ofc, if you can get extra money from your side hustles i think you could do retire and focus on those, i know if you went hardcore on steemit you could get 600 per week easily!
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Hardcore Steemit is always a possibility!