He explained that his memory is going out, he cannot finish crossword puzzles like he use to, he forgets what books he has read, but other times he seems as sharp as a tack. His driving is perfect. He has good hygiene. He has been withdrawing from me and family over the past couple years, but he is still engaged in family life in general. I know that I should be concerned about finances as he seems to be less interested in keeping up on "things" and tends to forget what in the past he would never forget. But I fear if I step into the finances he may get upset and/or depressed or it might hurt his self-esteem. He does all the household finances.