The day after I let my wife know that we had enough money to pay for our son’s college education—he was a sophomore at Carolina at the time—, she let me know she had decided to retire in the fall. Our daughter was pregnant. The baby was due in November. After retiring at the end of October, my wife would head to New York to be with our daughter for the final weeks of the pregnancy and the first weeks in the life of our first grandchild.

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