That's one of the biggest concerns of mine. I'll be making about 40% in retirement of what I'm making now. I have some equity in my house so I would like to take out money in a reverse mortgage to pay off some investments. That's where you get an upfront sum of money and when you sell your house or die, the loan people get that money back. The problem with that is these online calculators say I don't have enough equity. That seems odd because I have 60% equity in what my house is worth.
As far as a wife, I don't have one. What you say reminds me of a guy I used to work with. His wife got a job at the same place. Another coworker said "You should be trying to get away from her for part of the day, not spend the whole day with her!"
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My brother retired early and his wife didn't work. That didn't work out well either.