My spouse was a nurse who got burned out and quit in late 2019*, after earning about what you were earning (perhaps a sweet spot for burnout?). A year and some months later we're coasting by on my much lower full-time income alone, and our NW is about $100k higher - at about the same as yours. So basically we should have a beer because we're living the same lives. :)
The spouse was able to help teach our kid from home during the pandemic when schools closed. FU money FTW; it worked out perfectly. My spouse doesn't know if they'll ever go back to work or not. We're maybe a 25% stock rally away from full FIRE. Thus it is hard to commit to a demanding new job or the stress of starting a new career path when a stock market zig zag could make it pointless 18 months from now. You'll be in a similar position, although the part-time spouse gives you the latitude to coast FIRE. I've always wanted to FIRE once and for all, and be fairly certain I never have to go back to work again, so it's been hard for me to rewire my brain now that we are on a coast FIRE path.
Recommendations:
1) Set your 401k/403b deduction amount so that you will fully max it out ($19,500). This will lower your taxable income and allow more room to digest LTCG's this year. If you can work until about March and/or delay cashing in your PTO until after next year, you could set your deduction to 100% of pay and max it out again for 2022 right before leaving.
2) Try to engineer it so that there's enough "earned income" that both you and your spouse can max out your Roth IRAs in 2021 and 2022.
3) Use your company benefits to start seeing a counselor once every week or two. Don't be one of those people who thinks they are so badass they don't need a coach. Do this while you still have access to benefits. In particular, you need a way to manage stress when your whole future hangs on a few individual stocks and you are margined to the eyeballs. How will you feel during the next routine 15% correction when $200k disappears from your brokerage screen - and you still have to work and you still have that debt?
4) Finally, you haven't mentioned your health insurance plan after you quit full time employment. Is an Obamacare plan factored into your $60k spend rate? You must get this sorted out before pulling the rip cord, but it's just another expense. Yay 'Merica.
5) Don't be like my spouse and wait until you are personally demolished by stress before you quit. If you are lashing out, having trouble sleeping, getting into feuds with people at work, dreading each day, struggling with depressive symptoms, etc. then you need to leave ASAP before you damage yourself even worse. There's a world full of jobs out there that won't leave you a hollowed out, traumatized shell. Recognize that damage is occurring each day, and understand that you're optimizing for both money and for your own mental health.
*It's not just Covid. The healthcare industry is being squeezed between stingy payers (Medicare, Medicaid, insurance co's), monopolists (pharma companies, equipment / device companies), and massive regulation, all in an environment of accelerating technology-driven cost increases. In such a world, fewer people will continue to be asked to do more and more every day by managers who are forced to use increasingly manipulative tactics until their employees break. This turnover then escalates the cost of healthcare even higher. People literally die as a result of all this, and these deaths are attributed to lack of medical attention and quality issues. You're aware of all these facts, but most people aren't, so I thought I'd write them down. I'll also add that this is a political choice we make. Hopefully there will be someone there when we all need care.
