The secret to making everything work is for you both to agree and then live by your agreement. Being sloppy can be covered up when paychecks are still coming in but few retirement budgets can be ignored without issues coming up later. It's no different for toys from Amazon or the latest Coach handbag. Hopefully, you're both on the same page.And yes 2B, DH hasn't spent a penny of the household budget since we've talked. He's still spending, but it's fully within his budget which I'm fine with.
Now about you not being eligible.....
If the numbers work, it's really nice getting money for nothing. I enjoyed getting a big severence check for six months of pay and it didn't have all the pesky deductions taken out. I don't know if there is a downside to applying and not getting it. If not, you could go early if they let you. Once you're retired, DH can buy all the toys he wants but can't retire until you both reach THE NUMBER you both decide is needed.