Dear Mr. Ritz:

You are very welcome. Then it is two problems: finances AND worrying about finances. Except that your kids are grown and independent as I remember (may be wrong?). It is just you and your wife. You mentioned living on less, a low cost life, so it is not the same as the nineties for you, when you were a parent to minor kids, isn’t it?

I think lowering your anxiety/ distress level is most important. Figure out the numbers and calculate, make a plan that includes you being occupied (you said you dislike not being occupied), but in something that does not inquire getting into debt and is not high stress.

anita