About to retire... having push back from daughter.

I would also ask DD to be more specific. Tell her you have a 97% chance of being successful.

I gather that you DH did not work for 20 years as an FF?

I suspect part-time work in a non-toxic work environment might be a non-financial alternative. Do not let the current employer use benefits as a hammer over you.
 
I am a retired RN who was also burned out of hospital work . If you do decide to retire keep your license for awhile . You never know what opportunities may pop up .
 
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