Retire First
Freeze!!!!
I use to teach Basic Indoctrination at Horizon Air and had several retired police, fire and other professionals who took on the airlines at post 50. I think that in today's market the regionals like to hire retired people since they can afford to live on what they will get paid. At this point I don't think you will loose much by staying with your current job for 5 more years.
SkyHigh