This is Midwesterner’s wife. Our daughter is going to school so we are supporting her until she graduates and then she will IY”H use her education to support herself in her profession. Our son in law also takes some side jobs to bring in some support while in kollel. Yes we still have tuition for our younger ones, but Hashem helps.
I actually think it’s somewhat easier to find a job out of town since people know you and your competition is less than in the tri-state area.
About putting away money for a nest egg for retirement, yes that is scary but we trust that Hashem won’t let us down. There is some leap of faith we all must take as frum Yidden who have higher tuition, food costs, Shabbos costs, tzniusdik clothing… our expenses are so much greater than those of the outside world. Some of it we do have to leave up to Hashem, yet still do our hishtadlus.