How has your spending changed after retirement?

[Diogenes]

Spending has slightly increased in "barista" FIRE because I no longer have employer-subsidized health insurance. Taxes are still high, because of dividend distributions from taxable accounts. Spending on discretionary things - eating-out, travel, entertainment - has dwindled, in effort to economize. If I can improve my "side hustle" next year, maybe spending on discretionaries will slightly rise.

The biggest cost, by far, is covering the taxes on my portfolio... because I made a vow to never withdraw from it, or at least, to delay withdrawal until absolutely imperative.

 

[DangerDad]

Income tax and property tax will always be major spending items, however I enjoy having a lower marginal tax rate compared to pre-retirement. I have eliminated a handful of professional fees and reduced work-related expenses including dry cleaning and car-costs—these are modest savings. We spend substantially more on travel and this is all according to plan.