Yeah, by the time I plan on heading back to school, I'm going to have a six year old and a seven year old, and I don't think money will really be a problem (I'm effectively coasting and working on random side projects now anyhow, going to school won't really change anything).

I suspect that a lot of the stress of grad school goes away once money isn't an issue, and your progress in school isn't an existential issue. I really do wish mature grad students were more of a thing.