52, sole breadwinner, $100k pa. Spouse, 45, takes care of our two young kids. She is training them to go to top schools. Home is a condo, worth $1m, loan outstanding $300k. Savings, $25k pa. Own a 2nd hand small car (still servicing loan) to ferry around kids and wife. Net worth $1m. Any advice on our financial situation? How can I retire at 65?