(the dreaded triple-post! *yikes*)
My side comment notwithstanding you should run the numbers for marriage vs. fiancee (although “Fiancee” means you have already made plans).
As I said, it is unfortunate you are having physical difficulty. Remember — you paid into SSDI and Worker’s Comp and you are owed them. It isn’t government largess, it is your proper place to claim them, loudly and proudly.
These are essentially insurance policies (as I said, participation is enforced at the point of a gun). I pay auto insurance every year and haven’t made a claim in many many years. Others have made more recent claims. The idea is my lack of claims pays for their claims.
Your is the same. Don’t hesitate and, as I said, keep doing what you are doing and accelerate it if at all possible.
You have about 15 years to retirement — you can really make small investments work for you and enjoy retirement in a lifestyle you want to become accustomed to.
triple post!!! lol. I think i remember getting impatient with the slowness of my PC lol