Kids. We have 2 toddlers and are expecting again. Both of us had parents who were teachers, which meant their working hours lined up perfectly with our school hours and holidays. Raising multiple kids is pretty tough if you don't have that luxury! Tracking doctors, dentists, caretakers, after school activities, etc was exhausting, and for virtually all of these you need some kind of backup plan. Especially with a third child, there would be virtually no way for us to handle,say, a COVID wave. My wife is high earning and our tastes are pretty humble.

At one point, this might have been a hard decision, but COVID and a child on the way feel like we've had an extra nudge in this direction. The labor market is so tight and my specialty is in enough demand that I feel like I could jump back into my field in another few years if it makes sense for us.