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Thanks for the reply and welcome Nord. Current interest rate of 6% is pretty good for size of loan. However it is a 5 yr ARM. No intentions of refi before term. Need to clarify that DW would retire today if she chose to therefore my club membership would be void from the start. She is...

Great to be hear and looking forward to other perspectives on our next move. Vitals: Plus side Age 50 and 47. DH govt employee w/31 yrs but 5 more (age) to go - 90K DW administrator (stressful) can go anytime - 100K Home Business (Part time) - Clear 30K TSP - from CSRS (not FERS) - 80K Roth -...