I`d like to address Craig`s comment, as seen above. This is exactly what happened to my husband and me. It`s a long story but the gist of it is that after 9 years in our home-based environmentally responsible printing business, we had no choice but to declare bankruptcy. We were exhausted, traumatized and emotional wrecks, both from years of trying to make the business viable and from having to declare bankruptcy.
I am 64 and my husband is 59. We have no assets but we still have our house. How do we start over? How do we establish some sort of financial security for our `older` age? How can we find a way to enjoy some of the pleasures in life that make life worth living? This is what keeps going round and round in my head. We never dreamed we would end up like this in the latter part of our lives.