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Lot’s of changes. Kids are in or through college. Empty nest time. A time to re-define home life. It’s just the two of us, or we’re alone, or we’re establishing a new relationship. Job life is either stable (boring) or gone. Still lots of financial stresses due to continued or new financial demands. If we’ve been financially conservative we may be dreaming of life beyond work, beyond kids. Alone or just the two of us. This is the decade of contemplation, “What Now?”