Medical Accountant sound like a job that can be done remotely. Has she asked her job if this is possible? Have you all looked into other medical accountant jobs that would allow her to work remotely?
Could she quit her job or go part time while you continue to work?
Do you all have 401s that could be accessed at 59.5? It might be a plan to wait until then and go.
We retired at 48. The last year and a half have been amazing and we wouldn't trade it for more money. We live better fulltime in our RV on $5K a month than we did in a s&b on twice that. And the memories are much much better.