Trent if you know people over here ask them. Far better to rely on someone you know than an annon forum.
Without kids an FO will do ok. With kids, and particularly with kids at school you will not be saving much on an FO salary. This has been discussed a million times here, try the search function as I am sure it will show where the dollars disappear to.
Command will take some as there are 1100 other FOs in front of you to be upgraded. So even if the kids are not in school now, they will be prior to upgrade.
Good luck,
the Don