My wife and l lived modestly and have retired. It seems we have traded saving to be able to retire comfortably to saving to maximize the estate we’ll leave. Lifelong habits, both good and bad, are hard to break.
You and your wife sound like good people. Please please do not make the mistake my parents did. They sacrificed to leave a big estate. Why do that? You should be good to yourself and still be plenty to descendents your home etc. My parents sacrifices were spent on huge lawyer fees between siblings.