(Image credit: Getty Images) Question: I am 62 with $4 million saved for retirement . My wife and I have worked hard to pay off our mortgage, and we have no debt. Our kids are successful and have independent lives. I love my tech job, earning $250,000 a year, and didn't plan to retire until at least 67, when I reach full retirement age . Unfortunately, my company is going through a round of downsizing, and I was just offered a buyout that includes six months of severance and six months of health insurance. I'm not sure whether to accept the offer and retire or decline it. I'm afraid we won't have enough money for retirement if I take it, but I'm also worried the company could struggle, and I'll eventually be out of a job anyway. My wife doesn't work, so this decision will have a big impact on her lifestyle. What should I do? From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor.…