I probably dragged things out a year or three past where I prudently could have. Not sure if I made the right call or not. COVID messed up a lot of things (and obviously sadly killed a lot of people) and I might have made different decisions on a more normal timeline.
I am fortunate my spouse was on board with this plan, which was mine. I’m 38, spouse is 36, for reference. Assuming we have college saved for, I don’t want to work a day past 55 if I can manage it.