what would you do?

I've got a dilemma, and I'd love to hear your opinions. so, I have money saved away. I have always wanted to use that money for our kids college funds so they can be debt free when sdltarting that chapter of their life. I'm currently 4 weeks pp with baby #2, and I'm not looking forward to going back to work. I did after my first, and I hated it... but eventually got back into the routine of things. I have a super stressful job in the education field, so I work long hours and the pay is not that great. my husband is encouraging me to quit my job and stay home with the kids, but we can't survive off his income... meaning we would have to take money from the "future college fund" account to make it work. I feel guilty doing that, but my husband is all for it. I also feel gul guilty by leaving my kids and going back to work. what would you do? i pray about it constantly, so im just waiting on God to tell me what to do!