Welcome to the forum, Schroeder's mom&dad
, very long name, BTW.
I think I cannot contribute anything specific, but a few observations/suggestions:
- The bus route sounds terrific for the insurance. Do both of you have to drive in order to get coverage or can your DH drive and both be insured? If you must drive too, won't it interfer your work from home?
- I bet you'd get much better feedback if you posted your annual or monthly expenses. You must eat and heat your house, maintain cars and house, etc. Your OP tells only a small portion of the expense budget. Also, what about the expense budget for your bestever dog?
- If you're both frugal people, would it be an option to delay taking SS? I don't understand how SS works myself yet (or if it will out there for me in 30 years), but I've read that the payout grows 8%/year for each delayed year. Not sure if you still have to be employed to get this 8% growth...
- Having your son to help you with the investments has pros and cons. So, not sure what I'd do here.