Hi, my family and I are ~5 years away from FIRE (~$5M). We would like to be closer to either side of the family--so Ottawa in Canada or Sacramento, CA. We currently live in the midwest--our annual spend now is ~150-200K, but most of that is childcare and mortgage that will disappear (hopefully) once kids are in school. We like both cities, but leaning towards Canada because of healthcare + public education. We are a family of 5 young kids so it's understandable why these 2 things are important. However, the cold weather and the international shifting of financial assets (and the complicated tax situation) has us wondering if we're better off staying in the states. I don't know much about CA taxes for withdrawals, but I think we can keep it low enough for the ACA subsidies, but not sure how great ACA is there. If you were in my situation, WWYD?