You didn’t want financial advice but you mentioned wanting to be able to sleep. A major step is to detail out your expected expenses over the rest of your life to estimate how much money you need. It is the most critical element. You can only do so much in saving more money in 5 years but you can control how much you will spend. My goal is to maintain exact lifestyle in a retirement which will happen soon for me. But if that is not an option you can figure out what you can cut back on to make it.
To sleep you need to have all the info you can get. The worst thing would be finding out you are in big trouble after you retired and there will be no more money coming in. Getting another job may sound good to some but is not easy in this economy for an older person. Just my thoughts.
btt