Don't worry to much about money and future. It's actually way easy to settle in Nepal, think about your relatives, community and society. Here you don't have your society. Probably your kids can not make that may friends here, because u know school environment here is not as simple as we might think. Tell your kids that Nepal is a beautiful country and they have all relatives and cousins there and they can easily make friends. You need to guide them well in Nepali language learning. Think this way- if you/anyone stayed here in USA, your kids get lost here and your relatives tell the story to others that you had kids in USA but they dont know them well and what they are doing. That means it's like lost Nepalese people in Burma and Thailand in the past. Anyway we have to return for our own sake, don't go after few dollars and entertainment. Realize the reality.