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I actually do that, but not for a fee...I was in Hedland last year and saw so many financially dysfunctional people it became a bit of a mission to help the poor 'rich' kids. I still fly up there regularly and do budgeting sessions with them. :)

I'd stick my 2 youngest kids in private school (eldest is already there), eat out a bit more, save a bit for a non-outrageous holiday every year (or an outrageous one every couple!), and save/invest the rest, which would probably include renovating 2 of our houses. Life doesn't have to be...