@Monica McAfee Welcome to the Penny Hoarder Community! We're glad to have you here. We look forward to hearing more from you. I'm sorry to hear that your husband is in a nursing home. It must not be easy to have a member of the family living in a care facility. From what you say, you seem to be an "empty nester". My wife and I are the same. We never had any children. But, I bet you're a wonderful, loving grandmother to your grandchildren! Again...Welcome!