Thank you all for your input - it really is helpful to hear an outsiders point-of-view!
I am in PA too, and I do have to put money into the state retirement system. I kind of forgot that I do that! LOL I also looked at our bargaining agreement, and saw that I will get an increase in pay next year, and a more significant one the following year.
I also spoke with "my teacher" today and she is fairly certain that the admins will be flexible and possibly let me take off early on the early dismissal days. It still means I would have to find day care for my youngest a few days a week, but it's more manageable than finding care for all 3 kids.
So it looks like I may be able to work this out, and in the meantime I am keeping my eyes open for any postings in the elementary schools too.
I had to laugh at the person who suggested hiring a high school student - my sister suggested the same thing until I reminded her that the entire reason why *I* couldn't be home was because the high school doesn't get out until 2:30.

It would be super easy if one of the high school kids in the neighborhood could watch the kids - I'd do it in a heartbeat!!!
I am trying to remain flexible and also keep what's best for me and the kids in mind. I am hoping that a solution will become clear soon!