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Thank you for the responses. . . My wife thinks I should keep working for now.   Her main reason is "we need your health insurance."     But at the same time she wants to travel and I have limited vacation time at work and it is hard to get away.    So we are just sort of starting to talk...

So here is my situation . . . My wife’s father was very frugal and smart and nice enough to set-up investment accounts for my wife in the early '70's when she was young. The $10-$15K he put into the account in the 70's are now worth close to $2,500,000 in stocks and bonds and payout roughly...