What you’re describing sounds a lot like early/partial retirement. The effect of changing careers could have a similar impact financially too. So probably the same kind of principles you’d use when retiring apply here. The challenge is that you still have big expenses/dependents.

Government help seems worth pursuing if you aren’t already. You may consider changing locale to cut living expenses or to arrange your life around your biggest expenses. Could refinance or get a home equity loan to float you while you look for a new path.

But I’m no finance expert and I’ve never retired or changed careers.

Overall the constraints here are probably financial. So your hard constraints are likely going to be what dictate your options. It might help to find a financial advisor to help put your constraints into clear terms so you can see what your options are.

Best of luck; I hope you can find some peace of mind and/or hope from some of the comments in this thread. Take care~