We spend about 55% less.
- Moved to lower COLA
+ increased health care costs
- different circle of friends that aren't extreme high earners thus all social activities are way less expensive.
- current car costs 1/4th the previous car did.
- restaurant spend is 1/10th the previous spend as we joined a cooking meetup
* Travel is similar spend but twice as long as I actually look for deals, book in advance, realize I spend no time in the hotel so can book the $100 room vs the $400 room and still be perfectly happy.
- Deals deals deals, now that I have the time, use of coupons, happy hours, discount days, free days, etc. Before I retired I never even looked at a grocery flyer to see what was on sale, it just didn't matter, I was busy, I just bought what I needed.
I realized before I retired, my budget was 35% to savings, whatever to Tax, spend the rest, therefore, I was very price insensitive. Time was more important to me than price. Retirement reversed that.