I'm running a little short. I'm considering borrowing a few thousand from myself.

@Pine
70 would be my magic number. With the 12 year gap between my wife to be and I that would put her at 58 and still drawing an income so that would be the magic number. My concern is I've never worked for or even met a 70 year old chef. Most at that point I would imagine own their own place by then. I need to start considering the next move up the ladder which is a food and beverage director or director of operations. Unfortunately I do not work for a restaurant group that employees either of those positions. I currently work for a small private owner who has a few locations. I did this in the hopes of one day becoming a managing partner with the option to buy in, but even that at this point seems as if it may not happen.
It may be time to go back to the hotel field. I started my career with Hilton and spent just over a decade with them. Owe my education (tuition reimbursement) to them and much of my success. I only recently left to pursue other cuisines and to build my resume a bit. Maybe a few more years where I'm at as I'm happy with my current location,staff and workload vs quality of life setting. With small children at home 60 hours a week is the max I can work (and my wife can handle)
We've talked about using a portion of tax returns each year to invest since we usually spend most of it on vacations and other fun stuff and I think that's our first step to putting away a nest egg. And we've already started looking for a cheaper place to shave off some of our cost of living to move that spending to savings as well.