Mr. Silver - I can tell you are concerned. Your post was time stamped 2:25 AM!

I'm watching what I buy in the grocery store. Before, my mantra was, "Doesn't matter what it costs - I need/want it." Going to Costco more. Even downgraded vacation plans from a suite to a regular room (don't cry for me, I'm going to San Fran in August to escape Tucson heat) - we don't go often so I like to splurge - but not this year.

I retired a year ago, so my income is set. I also bought an SUV. Great timing, eh?