Hi Mike. My first thought is are you perhaps in danger of chasing money for the sake of it ? If you're doing a job you love and earning 30% more than the average wage then I think you may need to take a good look at how good things are for you. If Kirstie earns more than you (as Ali does in our household) then believe me, unless you have a burning desire to own the newest car every twelve months you have enough money, and more won't make you happier on it's own. A move to Scotland might help you to make a fresh start and decide what you want from life – it certainly worked for us when we moved to Wales. After running and then selling the B&B I've now gone back to being a buyer, which I used to do when we lived near Oxford, but I have a completely different approach to the whole work / life balance thing. We earn no more money than we did ten years ago, but it's certainly enough to do what we want to do, and we've managed to move somewhere we actually want to live. However, we have no kids and I don't know if this may feature in your future plans. I'd suggest you avoid the twice yearly "putting your life on hold" by living a little more frugally for, say, 12 months and saving yourselves a bit of a slush fund to use when tax bills are looming. Concentrate on enjoying your lives, not chasing a bigger wage. You'll only end up in ten years with a bigger mortgage, no free time to enjoy yourselves and no more disposable cash than you have now.
All the best to you both, and good luck.