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@mrmacabre
Are you able to qualify for disability and Medicaid/Medicare? Your income may qualify you for additional benefits above and beyond your wife’s income/benefits from work.
I hear you about dealing with chronic pain. I am a 55 year old female with a teen son. It is really hard for me as a single parent with no family. I am very limited physically and needed to retire early due to disability. Chronic pain/health issues has caused major depression for me which adds more difficulty in functioning day to day. I also struggle seeing my life improve much at all and feel like I won’t live that long as a result. I need to be able to raise my son into adulthood and I’m scared how my health will affect his future.
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I've been receiving disability benefits since January of 2016, which is almost a 50% loss of income from when I was still working. Imagine losing 1/2 of your income, and then see where you're at financially almost 10 years later. I only have medicare part A because my wife's job provides medical coverage(at a very high price) and we can't afford part B or D.
I had planned to retire at the age of 70, when I would have qualified for all of my benefits, but I only made it to 56 before my body started breaking down and I could no longer do my job.
So yeah, my plans for retirement didn't work out the way we had hoped. Our house would have been paid off, and we would have been okay to retire, but those plans are out the window now.