FD and emergency services have been mentioned several times. I spent 36 years in the FD and retired as Div Chief. Retirement is good and I enjoyed the job.
The downside that I’ll share is unless your wife makes good you will probably have to work P/T. FD work part of two weekends out of three...
That’s exactly what mine is currently and I 99% pay my one credit card off each month. Haven’t had a mortgage in many years. I did a couple years back run a truck note for about a year and then payed it off. I don’t think you have any thing to worry about