We have a bi-weekly housekeeper and a weekly gardener. Together they make up 3% of our budget. Upon retirement we plan to terminate them and do this work ourselves, because time will be plentiful and we just don’t know how long our nest egg will need to last. Other similar moves might be paid car washes, handyman work you can do yourself, etc. I’m curious how many people made this same cost cutting “time-for-money” tradeoff upon their retirement.