Hey 4X4. I have followed your posts for some time on your retirement planning, as you know.
I don't know if there is a right or wrong to this. But I would say perhaps you and the DW need some long walks, and time sitting under trees to decide what it is you really value. And, or, what you want out of your post working life. That maybe a better way to say it.
For us a least being part of the grand daughters life is huge. She is 8 and her mom and her live with us. Her mom works full time. So we all help raise her.
She loves to show me her "tricks" on her swing set. Which she was doing last night. As I was watching her, I was thinking how much joy she has brought to our lives.
I was also noticing the swing set which is 4 years old now, is beginning to show it's age. And I thought in not many more years that swing set will fall silent, as she will grow up, and soon enough I will be sawing it down. Kind of made me sad, to think of that.
So I don't know, other than to say, do what is in you and DW's heart. And don't pay much attention to what other people ( me included) think you should do.
But for us at least. we would not trade the swing set, the biking, the holidays and on and on, with the kids and GD. For any amount of money, or million dollars rigs