1. get HELOC for emergencies and convert debt 
2. if tired of working, take 3 month leave or try to negotiate month off summer and winter
3. retire at 60, offer to work p/t or holiday relief
4. at mortgage renewal, remortgage home for 25 yrs - should be around $450 a week for mortgage
5. mortgage is high BUT her home will also appreciate 2-3% a year tax free