OP here: it looks like I can’t edit the post to add more details that many have called out as missing. I’m 34 years old, and have been doing software since college.

I have a large family that is quite young. Six kids under the age of 15.

My annual expenses of $100k is definitely for a lifestyle that is nicer than we need. Most of that is on a big mortgage.

I’m surprised at how many people have joined in on this discussion. Thank you!