don't have major bills anymore.

I didn't mean to cut out all your fun. When you asked if you could afford to retire my point was that if something happens the only income will be the largest social security check. If you can live on that you won't need a great deal of money in saving. If you can't then you need a big cushion. It sounds like the two of you are doing great. I think you will be okay unless you have to retrofit your house to avoid the stairs later. You do need enough in the bank to cover that.