A lot of things are much less expensive when you retire. You can cook at home and eat much better. Many great daytime activities which welcome over 50s open up... cards, Tai chi, crafts - even just going to the library, most of which cost minimal amounts.  You have time to focus on your health.  You also have time to focus on your investments and learning how to grow your money. Turned out.. it was costing money to have me go to work.