In today's late-life universe being "underwater" is not all that uncommon. Whatever their reason for being there, those who find themselves in that disturbing space have choices to make---do they turn away in denial, or learn to "breathe underwater." Jim and Anita Camden had come face to face with their own unexpected "underwater" reality. The need to downsize was very real and even more disappointing---and complicated by their differing ways of dealing with what came next. Chance are we don't learn to breathe underwater until we have no other choice.