My husband and I are 64. We have $1.5 million in retirement accounts. He wants to travel. I’m more cautious. Who’s right?

Dear Quentin,

My husband will be retiring at the end of August after working a high-pressure job for 31 years.  We are both 64 years of age. Both of us have health insurance under my plan. I intend to work at least until I turn 65, when I will be eligible for Medicare, and will likely continue until for at least another six months until he is also eligible for Medicare. 

Together,…