I have been a registered user for a few months now. I have been reading some of the threads and the posted comments, but I think it's time I posted my story and get my own advice for you all. I will do so in a few days. A little background -- I am 49, will be 50 in one month; my husband is 55. We have one grown son (age 20) and he does still live at home. We have been married 21 years. We both work outside the home. I have always worked; I was never a SAHM. The last 10 years of our marriage have gone down hill and I believe coming here to TAM and getting some advice may be my last resort. See you all in a few!