[wayward__son]

Unfortunately, due to our relative youth, it's difficult to predict a post-retirement spending level. This uncertainty is compounded by our two small kids, who are sure to be costly to raise over the next two decades.

No chance you can figure out when it's safe to retire if you can't project your expenses. You're obviously in a great spot but I agree with the general thought that you have too many variables to pick a date now. I think let it ride for a while longer and especially either clear out some of that debt or be very confident in passive income being sufficient to carry it.