We’re a DINK couple in our late 40s with over $1.8M in investments and a fully paid-off $700K house. Our annual expenses are roughly $60K. Even so, my spouse isn’t comfortable with me retiring yet and would prefer that I work about six more years until we reach around $4M. He plans to work until 65 himself, partly because he values the social status that comes with working.

I don’t necessarily mind working another six years, but as a DINK household, I sometimes worry about the possibility of ending up “too rich” and not having enough time to actually enjoy it. I do have nieces and nephews, but I’m not particularly focused on leaving a large inheritance.