financial woes

[Robert <http://dummy.us.eu.org/robert>]

I thought about it more last night.

I'll pay for your hiring a Certified Financial Planner to see where you
stand w.r.t. your retirement outlook.  Please look for the closest CFP and
tell them to send the final invoice to me.

Some CFP possibilities:
 1. https://www.wealthminder.com/financial-advisors-las-cruces-/?query=&zipcode=&designation=CFP&radius=0&compensation_type=
    https://www.wealthminder.com/financial-advisors-roswell-/?query=&zipcode=&designation=CFP&radius=0&compensation_type=
    https://www.wealthminder.com/financial-advisors-carlsbad-/?query=&zipcode=&designation=CFP&radius=0&compensation_type=
    I would call each and ask whether they do fee-only assessments.
 2. https://www.feeonlynetwork.com/nm-financial-planner/
    Most of these are in Albuquerque and Santa Fe, unfortunately.

I'm mulling over the other ideas you suggested, but I think it would be
better to make a decision after we all know more about your financial
situation and options.