My wife and I are in our mid-30s with two young children, working remotely from the Alps in secure but demanding tech jobs. We earn exceptionally well for where we are, but our salaries would not be easy to replace if either of us were laid off or burned out.

We have dual US/EU citizenship. All values in USD.

Our current financial position:

Combined gross base salary: ~$350k/year, with uncapped commission in my role.

Combined net income: ~$15k/month.

Household expenditure: ~$12k/month, including mortgage.

Home worth ~$1.2m.

Mortgage: $600k at 3.6%, fixed for another 20 years. Monthly payment ~$3,600.

Investments: $425k in VOO, $100k in S&P 500 pension funds and $100k in a private startup investment.

We currently invest a minimum of $60k/year into VOO, funded through salary surplus and some freelance work I do.…