First and Foremost: Clear That Mortgage, (if you haven't already done so. It is one thing that will reduce the amount of income necessary for a reasonable exsistence. Everything else will remain, come what may. The sooner it can be cleared, the sooner you can be putting the extra money away for the future, (If still working), and the less you will require, from that part time job, if you chose to stop full-time work.