She says half the retirement community where she lives goes there.

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Where she lives, she said, there is no more work.

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Now she lives in a simple place on the edge of the city, and there is little chance she will find the money to buy another house.

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Instead, she lives on a farm in upstate New York, although what is sown or reaped there is as yet unclear.

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So I asked my bookkeeper Susan, who lives near my house, to go and check on the server and to call me when she was there.

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"There are really quite profound differences as a function of how we live our lives, " she says.

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Now that she lives full time in Napa, Ms. Fleming uses the winery as an extension of the house and entertains there.

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