Jeff and Maureen McBride have been retired for a couple of years. Although their income is lower than when they were working, they continue to live as they did before retirement. They have a three-bedroom house in New Jersey. Twice a year, they travel to California to visit their children and grandchildren. Unfortunately, they now find themselves in a financial pinch. They need to cut back on their expenses and have a plan to live more economically without giving up many of the activities they enjoy.