I pray this doesn't come across as harsh, yet sounds like you all do not need to be retired! Retirement is a time in your lives where you should not be living paycheck to paycheck, and your debts are paid off and you are comfortably able to pay your remaining monthly living expenses (utilities, groceries, gas, etc). You all may want to consider getting some type of income flows into the household....whether it be work from home gigs, couple hours a month at a local business in the neighborhood, something to bring in additional income.
