“Hoarding” money? NO...
Saving money? YES...
The wife is retirement eligible in two years, I already have one and can start taking from my 401K in two years.
We can both be “out” at 55 if we want to, and have seriously been considering leaving the country, to make it stretch farther, as several other that we know already have.
“have seriously been considering leaving the country”
I recommend the Scot-Irish Appalachians area. Homesteads are under $50000. Much under if you’re able to do some work.