I already told her I would be her "domestic goddess". Cooking, cleaning, housework would be a welcome change for me. I'm kind of a neat freak anyway and would welcome the opportunity to show what I could do around the house if I had the time. Also, I think my many years of teasing her about her having Summers off has instilled a little latent guilt in her. I know, I should be ashamed.
So, I do think wife's hesitancy is financial. She has always relied on me to manage the finances and says she's fine as long as we can maintain the lifestyle, not that there's that much of a lifestyle to maintain. Still, it's hard to get her to understand that there are no guarantees in that regard...too many variables no matter how well you plan.
As for cutting it close, I would add that many years of LBYM has resulted in a low maintenance lifestyle. I am quite content with a simple life. I have no interest in expensive toys or exotic vacations. Puttering around the house (about 20 acres to maintain), doing a little fishing (several world class trout streams within an hour's drive), playing a little golf (lifetime membership at the local club already paid for), and enjoying simple pleasures is about all I aspire to right now. I also currently serve on some local government committees and believe I could expand my commitment to public service in the community if I felt the need to contribute more to society.