1. Have you considered a career in Staff Development or Continuing Education? Not all education jobs are for schools
of nursing. Some of those other jobs pay better than typical faculty jobs. Don't limit the jobs you consider to only those in academia.
2. Some teaching jobs have GREAT benefits and retirement plans. Sometimes, what you lose in cash salary, you get back in benefits. Don't overlook the importance of those things (or their financial value).
3. Your concern seems to be more for opportunities in the future, not so much for right now. Right now, you can make the most of your high compensation and save money for the future. Play your cards right, and you will be able to afford the lower salary of a faculty job when you get older.
That's the situation I am in. I am currently working full time in Staff Development for a hospital -- working Monday through Friday -- days only, no holidays, flexible schedule when I want it, etc., making about $85K in a town with a cost of living that is approximately the national average. I teach an ocassional class on the side for a local nursing school
. I have managed my money well and am now in a position that I could (and will) take a lower paying or part time job in a few years to ease into retirement. A part time teaching job (which would give me access to health insurance) is a very real prospect for me. The loss of income won't be a disaster because I have prepared for it.