Would it be worth it to leave a long term stable position for a fairly substantial raise?

I’ve been at the same company here in Ohio for my entire IT career. Started here at 21, I’m now 40. Salary is $125k, good benefits, WFH 4 days a week and I probably average 30 hours a week. Started my 401k here early and have $700k saved for retirement.

Recently a friend of mine said he can get me in at a startup that can offer a $20k - $25k raise. However, I’m worried about long term stability of this new position (and company) as well as hours of work per week. This new potential position would also require me to go into the office 3 days a week versus the 1 day a week I go into now.

I value the extra time I have in this position, especially with having a 3 year old son. However, there’s always been this “what if” feeling as I’ve only ever been at one company for my career.

What would you do?

Thank you