We're in the same time zone and I'm pulling an all-nighter (first one in decades - I'm in my 50's, too, so it doesn't sit well with me!). I've got a work deadline, though.
I can relate to the financial thing, too - I'm never sure if I'm going to be able to pay the mortgage these days. I hope things turn around for you really soon!
Have a great day - it's the beginning of a new life! Yea!