/biz/ - Business & Finance

You are the head of a household with a wife, 4 kids and a dog.
In 2022 your combined incomes were $750k but this is the first time it had happened and it’s unclear (especially in the current climate) how long it will last.
You have about $50k by todays market prices in crypto 60/40 BTC/ETC split.
You “own” a house in a major US city that you rent out for $3k a month. The mortgage is $2900 and you have 5 years left on it (15 year mortgage).
You live in and “own” a $1.5M apartment in an expensive European city. 15 years left on a 20 year mortgage. Monthly payment is $3k.
Each kid had $50k in a 529 and you have about $500k in retirement/pension accounts.
You and your wife are in your late 30s.
What is the optimal strategy if your goals are early retirement and genuine financial safety?