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Tangomonster, I think you and your spouse deserve a standing ovation for amassing a nest egg like that on a modest salary!! Congratulations!!
I know health insurance is a big unknown, but I agree with the others here...you should have more than enough to get you through the roughest patches. So get out there and start enjoying your lives!
About all I'd say though, is that if you enjoy a fairly modest, frugal lifestyle, just do what really makes you happy. Going out and blowing it on expensive things and opulent vacations will not, in and of itself, make you happy. I don't know if this is the right way to say it, but use your money to make your life easy and happy, but don't just go blow money for the sole purpose of spending it. I think that's where a lot of people get into trouble.
Personally, I could never fathom spending through $4 million. Heck, I probably couldn't even spend the INTEREST that would accumulate from $4 million each year! But I'm sure there are many who could.
Sounds like you two are set for a comfortable, happy retirement.
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