We are finding things OK at the moment, I think if you have no mortgage and every thing paid for, apart from fuel and food we seem to manage. I only do volunteer work about 2-3 days a week, my wife works now 4 days a week from 3 because her employer is so busy. I just been offered a Job paying $35.00 per hour, which I don't want, not full time, I might do it on a contract basis? I could even go back to my old employer, so yes work is limited, but if you want to work or just want money (There is a difference) you will survive. I was completely broke 12 years ago, all I had was a bunky car, after a bad time with business partners and ex wife. We live in a lucky country!!