Do you have savings that you are prepared to burn while your own service grows? How stable are these other consulting gigs? Those are important ?'s to answer, b

Do you have savings that you are prepared to burn while your own service grows? How stable are these other consulting gigs? Those are important ?'s to answer, because they can frame your situation drastically differently ($7k monthly from consulting is FAR different from $200 monthly from your service). Assuming the worst, though, I can't see a world where leaving $9800 a month on the table is a responsible decision. If, as you put it, your kids futures are "on the line," this is a no-brainer. Kids are not cheap, and they're not really something you can put off. I'd take the job and try to do consulting as well to save up a runway for your service down the road.