If needed, I would have a modest apartment or share an apartment with a friend and LBYM as we always have.
+1
I think a lot of retired people here sit on the 3 legged stool of having pension, SS, and investment income. Some actually sit on a bar stool that has FOUR legs, of which I am one. Many have dreams of ER, but there is not a quick way to get there most of the time, unless rich Uncle Buck leaves you in his will. Living below your means is very critical if you don't have a chair.