Spending" is what goes out of our wallet and bank account.It is more now, in retirement, than it was before retirement.The thing is, you have a lot of control over your expenses. At least, the amount over and above your baseline minimum living expenses.Our annual expenses for the last few years have included about $20,000 - $25,000 for travel & cruises. That's $20K that we didn't have an an expense before we retired.
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