And I know all things are possible, but honestly, if your H was that much of a go-getter, volunteering that much, he would have gotten himself into the workforce ages ago and not stuff with volunteering. I know mental illness does crap to all sorts but for an extreme leader/go-getter, I have to wonder...? And how the h*ll can you make $106,000 before losing benefits? Mine were lost when H made over $40,000. and his teaching salary barely capped the $50,000s even WITH a Ph.D. Now he makes nearly $100,000 but I wouldn't say we a golden/worry free about finances in a low cost state. You need to examine the deductions for health insurance while teaching, the co-pays and the out-of-pocket costs....our out of pocket cost was $7000 before we could claim co-pays and that was leveling up on the insurance a tier! I had an emergency surgery that time that cost us $7000 straight out of pocket before we got some co-pays at 20% the cost on it, insurance paying the other 80%. Need a hosptialization for psych? You are looking at $1000 and up (I've had one $4000).

And if he wants to teach, go into STEM, you can take the classes during your teaching probationary year and still get paid (otherwise, you generally teach for free during your probationary year, even with an education degree, that was what my BIL had to do as a band teacher); that's what H did the STEM program. He had to pass a certification test: he did math 8-12 and science 8-12, taught while taking classes, mostly online(H's schooling, not the teaching of high schoolers, that was in person). And the $100,000 salary is not what he makes high school teaching, it's his job teaching as an assoc. prof at a state university (hopefully to receive his tenure in a year).