“Margaret, I’ve been paying an accounting service twice what I paid you,” she said.

“You’re better.”

“I’m fifty-one.”

“And I’m fifty-eight.

Shall we both sit down and stop working?”

I laughed so hard I spilled my tea.

Within a month I had three small-business clients and a proper desk overlooking the balcony.

I registered my business, opened a dedicated bank account, and took a refresher course on accounting software.