What expenses were reduced or eliminated when you retired?

[Nords]

I am surprised not to see "mortgage payment" on anyone's list. Alan says he no longer owns property—is that true of the other responders as well? Or was the mortgage paid off before retirement?

We loaded up on mortgages on our residence and our rental before we ER'd.

At the time we were both employed, mortgage debt was easy to get, and we had high credit ratings.

Since then we've just kept on refinancing it.