Last hurrah

My husband received his last-ever paycheck as a full-time employee yesterday--at 72, he's decided to make life easier for himself and teach college accounting as a part-timer only.  Adjusting our budget should prove interesting.  And this is only round one of our belt-tightening:  round 2 will occur when he retires from teaching, round 3 when he closes his tax and accounting practice, and round 4 will take place when I retire.  The good times, financially speaking, are over.  But we hope to have more free time to enjoy life.