Not to be too flippant but people have been retiring for years and everyone gets through it. What else can you do? It sounds like you are both great planners and everything is in order. I think everything will work out fine for you both and you will look back and think, "I should have retired sooner!"
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"I am a great believer in luck, and I find that the harder I work, the more I have of it." -Thomas Jefferson
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