So one piece of advice based on what you’ve said above…get disability insurance. I recently got a quote for about 70 a month to increase my disability from the 65% I get from work to 100% - as the primary breadwinner. It may be worth that security to buy the insurance at least through the college years. You may only need a 10 year term.
PM me with an email and I’ll be happy to send you a spreadsheet that will work for you to calculate payments however you need to, changing the monthly amounts, etc.