I genuinely appreciate the many thoughtful replies. My wife and I are still discussing our options. I might hold off until after the current tax prep season to decide the next step, and some of you have brought up some thoughts we hadn't really considered. So, again, thank you for taking the time. Please be safe out there. (This weekend I'll be joining you on the road with a cargo of 30 teenagers, heh.)
I genuinely appreciate the many thoughtful replies. My wife and I are still discussing our options. I might hold off until after the current tax prep season to decide the next step, and some of you have brought up some thoughts we hadn't really considered. So, again, thank you for taking the time. Please be safe out there. (This weekend I'll be joining you on the road with a cargo of 30 teenagers, heh.)