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I plan to make 5 big trips each year for the rest of my (healthy) life. I don't have any particular annual travel budget but I have earmarked around 400k for this. I am a frugal traveler, usually camp and cook food from the grocery and do lots of hiking which is cheap, but I hope to reach some...

I have experienced a bit of a decrease since retirement, around a 3% loss in spending power when inflation is accounted for. My wife is still working but spends quite a lot more than I do, mainly on consumer goods. Around 40% of what I spend is on travel. In the next 10 years I plan to go to...

Lots of interesting views of the situation coming out on this thread. I should add a little more now. DW's spending certainly does have an emotional aspect and we do have to sort of tiptoe around each other when discussing the issue. But then, nearly every couple I know does this about one...

Regarding several comments made about using separate accounts, we do each have our own accounts. DW's pay goes into her own account and I have encouraged her to use a debit rather than credit card for her spending, which she has mostly been doing. There is a second account from which we pay...

Thanks for everyones thought-provoking opinions. A good point about the situation is that DW shows no sign of wanting to retire anytime soon, likes her job and may at times do some extra consulting work. As long as she keeps working her deficit spending is not great enough to cripple us. I'm...

BbbamI, I do have a detailed spreadsheet that I update monthly. One page in it tracks the amount we each spend each bank statement cycle but does not break it down into categories. I've been thinking that I need to start tracking details of exactly what every dime is spent for-something I have...

Hi there!:greetings10: I'm a longtime lurker who just ER'd a few months ago at age 56. This is my first post here. Would be very interested to hear opinions of something I've been thinking about. I have always been a saver and DW is a spender. Although she is still working she spends more than...