Excluding federal income taxes, our expenditures have remained similar to prior-ER. However, income is less than expenditures so the shortfall is supplemented by retirement funds. In about 2 years we will both begin drawing SS benefits at which time our income should exceed our present expenditures. At this time we will ratchet up our play money to meet the increased income level (our way of helping the economy
). The retirement fund will be left untouched except for emergencies and major expenditures.