Opinion needed - WFH/WFO or Learning/Non Learning

"I'm currently working remotely as a Senior Software Engineer from a tier 2 city in UP, earning 1.2 LPM from my job and an additional 0.4 LPM through freelancing (total 1.6 LPM). My wife also works remotely for an MNC. While our current setup is financially advantageous, my professional growth has stagnated as my company offers limited learning opportunities. I'm considering on-site positions with promising startups, but relocating would substantially increase my expenses through rent and commuting costs, potentially consuming a large portion of my salary. Should I prioritize career growth and learning by taking a WFO position despite the financial trade-offs, or maintain my current remote arrangement with its financial benefits but limited professional development?" My total expenses for a month doesn't exceeds 20k