I don't mean to be harsh, but you need to continue to work, save, and MOST IMPORTANTLY, continue to read sites like this one and educate yourself. You seem to have no game plan and no idea how any of this works.
You have 16 grand outside of retirement accounts, that will last but only months w/o the help of taking your SS early and drawing from your retirement account. These two things will put your wife in a very VERY bad position if/when you pass before her, if not long before then.
If you make 150k and your spend is only 42k, where is the rest of the money? $500 extra a month towards your mortgage is only 6k, where has the rest been going?
You have 16 grand outside of retirement accounts, that will last but only months w/o the help of taking your SS early and drawing from your retirement account. These two things will put your wife in a very VERY bad position if/when you pass before her, if not long before then.
If you make 150k and your spend is only 42k, where is the rest of the money? $500 extra a month towards your mortgage is only 6k, where has the rest been going?