Retirement PLANNED Spending VS ACTUAL Spending (2 Years In)

Comments · 170

• PR

  @PrincessLolly1 · 1 month ago

  Julie, I trust that you realize from reading all the comments how significant your positive impact on people’s lives has been/is.<br>Your channel is Golden!!! <br>Thank you❤

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• FI

  @FIRE_DrNinjaTurtle · 1 month ago

  I had no plan when I quit my job. You did it right. My side hustle replaced my 9-5 income so I asked myself can I make it on my side hustle for 1.5 years until my pension started. It worked out. I am blessed.

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• DO

  @dontask8979 · 1 month ago

  You get sick less because you&apos;re not around everyone at work, who&apos;s around their kids, and their kids go do school and are around...<br>You get the point.<br>I went from sick a couple times a year, to once in 10 years.

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• TH

  @The.Absurdist.1 · 1 month ago

  I cut out eating out deleted all delivery apps lost 37 lbs in 4 months and my food monthly expenses is now way less.

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• JE

  @JelaneJ · 1 month ago (edited)

  I too have detailed spreadsheets that I used for planning before I retired and that I use to track actuals now that I am actually retired. Your level of detail is very similar to what I track. Admittedly, Excel is a happy place for me. I am de-cluttering and I found an old hard drive with a 20-year old version of one of my original planning worksheets and it is about 85% accurate to what I have in my current spreadsheets. I think that is pretty good! Thanks for sharing and all your videos!

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• FI

  @FIRE_DrNinjaTurtle · 1 month ago

  I love how you monitor expenses. This channel inspires me to do better in retirement.

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• JO

  @john-x2k5t · 1 month ago (edited)

  I’m early retired. I know my expenses intimately and it’s easy to separate essential from discretionary. For me, I set a spending target at the beginning of the year and build my budget off that. My goal is to spend all of it. Totally different mindset when I no longer need to save.

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• Y.

  @Y.T.Learner · 1 month ago

  This is the most interesting money video you have made so far IMO. ❤

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• BO

  @bookyarncafe · 1 month ago

  I really appreciate your videos. As I am a few years out, this look back was super helpful. Congrats on lowering your monthly expenses and still really living your best life in retirement!

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• YO

  @YourSolventUncle · 1 month ago

  Unpopular opinion: this is the real reason people stay broke — not because they don’t plan, but because their retirement <b>plans</b> are built on fantasy numbers that collapse the moment real life shows up. I was literally sitting there thinking, “Hold on… how did this go off the rails so fast?” when I saw that retirees often underestimate spending by 20–35% in the first two years. The Bureau of Labor Statistics shows the average retired household expects around $52,000 a year… but actually spends closer to $68,000 once healthcare spikes, travel increases, and those “one‑time” home repairs in states like Arizona or North Carolina start popping up. And here’s the part nobody talks about: Medicare doesn’t cover dental, vision, or long‑term care, which adds thousands more. So people stay broke not because they’re irresponsible, but because the retirement calculators they trusted were built for a world that doesn’t exist anymore.

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• AN

  @anitaroberts5980 · 1 month ago

  Interesting. Thanks for the look back comparison. Planning is important but we shouldn&apos;t expect it to be spot on; we need to build in flexibility and contingency.

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• BO

  @boatingcharlie1 · 1 month ago

  I&apos;ve been retired over 3 yrs now. I don&apos;t have a budget and my life style is same as before quitting work. If I need something I buy it but I don&apos;t just blow money for the sake of spending it because I have it.

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