JD-I feel your pain, after putting 2 kids thru 7 yrs of Ivy League and 4 yrs of private college, with a 2 yr over-lap, then paying off my accumulated debt and saving for retirement, I finally got to play all the golf I can,and:
I'm in my 70's, with a 200 yard drive, and more body pains you can shake a stick at. The moral of the story is to go play now, because tomorrow is not so much fun. Muni's are not that expensive, go play 9,at least.