You might want to look at instructing at a 141 school like ALL ATPs. I know guys that are starting day 1 with ZERO flight hours. They send them through Private, Commercial, Multi, INST, and all the way through Single and Multi CFI and CFII. They have Letters of Agreement (LOAs) with regionals, so guys are getting hired with 300 hours or so. Therefore, if they allow you to teach, you could possibly interview within 6 months or so. From there, it just means getting time with a regional and getting the PIC time once you become a captain to qualify for a major. Once your on with a regional, you can usually jumpseat anywhere in the country for free, so commuting wouldn't be cost prohibitive. Your wife will have to work to supplement your income for around 2 years in this case. I would say you could be with a major in 5 years with the way the pilot shortage is approaching. In fact, if you are willing to move, countries like China are hiring everyone that knows which way is up and has a heartbeat. Your kids will be close to college, so it would be you and your wife moving at that point. Anyway, you will sacrifice but it is getting close to too late if you don't start soon.

Good Luck.