As others have pointed out, most of us have considered these, but I agree that the average person who thinks they can retire at 62 and get by on SS alone is in for a shock.
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Helping family
Thank heaven, not an issue. Mom and Dad were savers and my 4 siblings and I learned well. Dad is 87 and widowed and last I heard still had about $500K left and is living in an Independent Living facility. DS and DDIL are very responsible and haven't asked me for a dime but I am funding the granddaughters' 529s. After DH died I started sending his poor-as-a-church-mouse brother and SIL $1,000 a month for 24 months. Just wrote the 18th check yesterday. Not required in the will, but I wanted to do something and that's what DH and I agreed on before he died. It's rescued them from some bad situations including emergency car repairs and a dead refrigerator.
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Big-ticket periodic items
Travel is my passion but I have few other extravagances. Can dial back if necessary and I have funds for the occasional "oh, crap" expenses such as home repair and the rare car purchase.
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Entertainment
Not much even if you count the seminary classes I'm taking right now.
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Health care
This turned out to be far more expensive than I anticipated when I retired 4 years ago at age 61. Premiums last year were $9K/month with crappy coverage. Medicare kicked in on 1/1.
Thank heaven I never had any substantial OOP expenses during those years- partly good genes and healthy living, partly luck and the grace of God.
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Long-term care
Should be OK- don't have insurance but since I'll no longer be traveling, will have no home/car expenses, can cut back charity to zero, etc. I should be fine.
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Living a long life
Happens a lot in my family so I need to anticipate it. Currently collecting SS Survivor benefits and planning on waiting to take my own till age 70 and that will be a nice bump. Keeping average W/D rate under 4%. Had an expensive downsizing in 2015 but withdrew only 3% in 2016 and 2017.