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You might want to travel less and stay home more, or your travel might be centered around less expensive trips to visit your grandchildren and other friends or family. Many retirees find that they can largely get by with a combination of public transit, senior transportation services, ride sharing services, and these days, even grocery delivery services. They were conservative in the amounts they took from their retirement accounts. Email is required. List the months, January through December, across the top in separate columns. We put age 62 on it, the age when people first qualify for reduced Social Security payments.