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Another thing to think about is when you are retired even if you don't full time all daily costs are down. As Steve mention Clothes is one. I have enough clothes to last the rest of my life! And ones you might buy now are not as expensive. Also you are not spending money commuting to work, eating lunches out, buying gifts for fellow employees or staff, contributing to those endless envelopes that come around for some donation or another. Also things like makeup (for women I hope), getting hair done, buying expensive shoes. All these things are gone so you save some there. I've heard full timers say they spend less for gas when traveling than they did when working because they don't drive every day like when you work.
Happy trails...............
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