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2-3 years will fly by… look at the last two years lol. If you can make it to the condo being paid off that would be amazing.
Sell the condo, put the assets in an IRA, start contributing something to retirement.
Can you help her get a FT job that has benefits?
She's a massage therapist; she doesn't have the stamina to work FT. Are you dating she should start contributing to her own IRA or I should? Re the condo: probably another 2-3 years until it's paid off, after which the rental would bring in a larger monthly income. Still sell? I imagine by that time she will be ready to cut back even further at work or stop entirely.
Basic info
https://www.yahoo.com/video/property-trust-needs-one-153416876.html
It may be worth at least consulting an attorney