Life just keeps getting tougher with age, not easier as we thought it would when we were young. They only told us it would get easier so we would have something to look forward to while we were struggling with how hard we thought we had it, to give us the time to gain some skills to be able to survive what surely would come our way if we lived so long.
Yours is a tough challenge that a lot of boomers are facing now. And I don't even know for certain if we can count on the Social Security--that we've paid into our entire working lives--being there for our later years.
According to http://cgi.money.cnn.com/tools/networth_ageincome/
the median net worth of someone your age is $180k, for someone at your salary $168,000.
If you have even that, then at a supposedly safe withdrawal rate of 4%, you could draw $7,200/year from investments (assuming it isn't all house--though then you'd have some rev. mtg. $s) at retirement. Assuming you've been paying into SS, the median payout from that I think is about $1100/month. Probably tough to live on those $s stateside, but comfortably doable in some overseas locations on SS alone. Some places like, I think it is, Guadalajara even have a US SS office located there.
So if you have at least the SS and if you feel it will survive intact for as long as you live (though I think payments are currently scheduled to decrease to about 75% of benefits in about 25 years), then minimally you just need to bring in enough income now to survive until you hit 65, though the more, of course, gives you better chance to save.
I'm 54 and back in school to start a 3rd career. An option, if you can afford it, that you might consider. My most missed mentor had 4 or 5 careers, his last 20 years or more dedicated to psychiatry which he worked at continually until he died in his 80s. He had a really good life to look back on.
Because I am no longer a fan of retirement, it doesn't much matter to me how much money I make. As long as I bring in enough to pay my bills, I'll be happy. To that end, I've relocated to a lower cost of living area and bought some income property. So with just that aspect, at this point, given a job with health insurance, I could earn less than $7/hr and I'm set.
Another option besides a new career, again, if you've savings which might grow over time or at least if you've a decent amount of SS due you and trust in that, would be spending the next five or six years doing volunteer work for, say, the Peace Corp which would provide you with food, shelter, health benefits and an incredible experience where you get to help others.
Another idea might be teaching English in a foreign country like China or Thailand. You'd earn enough to live well there, and, again, at 65 you'd have your SS as well. So, I guess I'm just saying that you have some options even if your situation seems overwelming. Best of luck to you. These are difficult times.