First, Congrats on getting this far - in Matrimony, Matriculation, and General Maturation... =-)
Baby Mustache here - but to me it's all about loving the living you are making, and doing.
Let's look forward a few years if we may - you are roughly 47 years old, your kids are married
and
Grandkids will soon be on the way I'm sure.
Ah, Grand Children - the reason for the season-ing.
Option 1 - Two years invested now means that you can be there for your kids and Grandkids and be able to enjoy it that much more. Without the affects of regular Grandparent involvement my life would have been... unpleasant.
It's sounds like your kids are at the pre-kids stage of marriage where they are still building themselves as a unit..?
I don't know your situation - but two more years of you guys being less central in their lives might be good for their maturation as a couple, and as adults (again - none of my business and I don't know your family dynamics - I beg your pardon if I have offended)
Option 2 - if Grandkids are already entering the picture perhaps you go the odd-job route and babysit the occasional weekend so the kids can have a sanity break. My BetterHalf-in-Law lives with us and is a
daily boon and blessing.
I agree with Mary W - One basket nest eggery is an invite to omelette.
When it comes to Nest eggery "Don't screw the Poach."
That being said - you have Nest Egg one put away - why not do something with a slightly higher risk and larger return with Nest Egg number 2? LendingClub (or Daric, or Prosper) perhaps?
Or do like my Great Aunt did - buy an apartment building / complex centrally located between where all the kids live - she didn't manage it herself but did live on-site watching her investment. (My Aunt started with one building and eventually bought the 4 closest buildings too. Added a pool and community center mostly to have a place for Grandkid birthday parties)
See Mr Money Mustachio's update on his Peer-Peer Lending experience (if you haven't already)
http://www.mrmoneymustache.com/2013/08/26/the-lending-club-experiment-at-one-year-the-gravy-train-grows-crowded/ Daric.com is BRAND Spanking New Peer to peer lending, so the crowding shouldn't be too bad.
(I have no financial relationship with Daric - but plan to do some Peer-peer lending through them in Q1 next year)
Well - that is the two cents of a baby mustachian... maybe it'll garner some interest in your quantum pudding vault.
- Fool for the Journey -