Husband retired officially many years ago but continues to consult. We are the new 40, which is the seventies.
Here is my view. You are still raising children, do that first and then think about it.
People are living to be quite old. Two active friends here are 91 and 101. You will want to be funded so as not to have to live off that young person who is about to be launched. Or off of us other tax payers.
This is the place to aim for. We'll leave the light on fer ya.