Ive had to make this decision a couple times in my life and I know what you mean by your head swimming. Im actually going through it right now, Ive been offered to make a career change and it wouldnt be a big deal if I wasnt getting married in less than a year with a wedding to pay for, house to buy, and most likely a kid not too far after. My advice to you is that you make sure your decision is based on whats best for your wife and kids, which Im sure you already know, but, if you honestly feel that this move will benefit everyone in the long run, then its a good move. The future is what I think matters the most, especially when there are children involved, even if you have to take a step back or suffer for a year or 2. In my decision I will be taking a pay cut for a couple years, but in the long run I will make more money and have a better retirement plan. Good luck man with your decision.