I've had good luck with nannies in the past; sounds like your Sims have a good enough income to hire a nanny at least a few days a week, so you can keep the toddlers home and work on helping them develop their skills. Or maybe one of your Sims can switch his/her job to work a bit better with the spouse's Doctor career (maybe something that's mostly nights, like Culinary or Criminal), or they can quit their job and freelance as a writer or painter or programmer to pick up extra money, then return to work when the toddlers age up to child and are in school all day.