**FAQs**

1. **How much do Gloria and Rob each earn annually before taxes?**
Gloria and Rob each earn about $80,000 a year before tax.

2. **What are Gloria’s plans for a career change?**
Gloria wants to retrain to move into a new field, although she did not specify which field for privacy reasons.

3. **What is the current market value of Gloria and Rob’s rental property?**
The current market value of their rental property is approximately $600,000.

4. **How much do Gloria and Rob have in cash reserves for emergencies?**
They have about $30,000 in cash to cover emergencies.

5. **What are Gloria and Rob’s future plans for retirement?**
They plan to travel for at least the first five to eight years of their retirement, including extended stays in various countries.

**Conclusion**

Gloria and Rob’s financial situation presents a complex set of variables that need to be carefully considered and planned for. With a paid-off mortgage on their primary residence and various investments, they are in a good position to retire comfortably. However, factors such as the rental property, part-time work in retirement, and travel expenses need to be carefully evaluated to ensure a secure financial future. Seeking professional financial advice and creating a comprehensive financial plan tailored to their specific needs and goals will be crucial in helping them navigate their retirement decisions.