Surewhitey
Thinks s/he gets paid by the post
Best of any outcome imo. Health insurance coverage, continue to maximize pre-tax savings if you are qualified to do so.
The only thing I would add is when you "really" pull the trigger, move your less tax efficient investment to the pre-tax & put the most tax efficient investment in your taxable accounts. This will help maximize your health insurance costs when you are no longer covered by your biz.
We are similar, but a little older @ 51&57. Our spending is about $50k and I'm just waiting for DW to get on board. Health care is probably the only thing that scares her to keep going. Sometimes finding the reality is more work than work... If you both are on the same page, you are definitely there, imo.
The only thing I would add is when you "really" pull the trigger, move your less tax efficient investment to the pre-tax & put the most tax efficient investment in your taxable accounts. This will help maximize your health insurance costs when you are no longer covered by your biz.
We are similar, but a little older @ 51&57. Our spending is about $50k and I'm just waiting for DW to get on board. Health care is probably the only thing that scares her to keep going. Sometimes finding the reality is more work than work... If you both are on the same page, you are definitely there, imo.