richdor, after 19 months into retirement, I've found that it is VERY easy to cut back on things and never hardly change your life style. For instance, eating out. When my wife and I were still working we ate out A LOT. Now about once a month, and have BETTER meals at home. Don't use NEARLY as much gas! Don't spend my time buying a bunch of crap I don't need. I like to travel,but that doesn't mean I have to take a around the world cruise. I enjoy doing stuff around the homestead, and just enjoying the day. Usually NO SCHEDULE. I'm LUVINIT! HAPPY RETIREMENT EVERYONE!