I, and my wife, both played musical instruments for a living. After 40 years of performing in major symphony orchestras for a living, I developed focal task-specific embouchure dystonia and could no longer perform on my instrument. At the the relatively youthful age of 60, I was done. My wife has been performing for 37 years and, because of her orchestra declaring chapter 7, is phasing out of the business. She is 3 years younger than I. We have been inveterate savers and, for the last 5 years, have been debt free. We saved for retirement by investing in IRAs, 403Bs, stocks, municipal bonds, and income annuities. We are facing retirement with confidence.