That is about 1 yr salary. We'll be just fine with just that

She got the degree for under 10k and will work when she wants, just have to have a certain amount of hours every 4 years to keep license but that shouldn't be a problem. If something happens to me she can work full-time and cover the bills. We don't live extravagant lives and are happy.

Lots of ways to prepare for the future, though it does help to have a very cheap mortgage based on a cheap interest rate.