but with my wife needing to work another four years past my retirement time it might not make sense.
Would make more sense to keep working another couple years at least, so then you can kind of pivot together, wouldn't it? Or, you finishing up a year earlier and prepping things for further adventures!
Yes, one of those two things I think. Either way I think by then we will both be at least 55, so still pretty early in the grand scheme of things if our finances and lifestyle can support it.