Ah, retirement. Sleeping, eating home-cooked meals, puttering around in the garden, reading and watching TV. What's not to like? 

Certainly not the price tag. Doing all those low- or no-cost activities doesn't rack up much in the way of expenses, and some actually save money — like fixing those home-cooked meals.

Pshaw, you may say. Retirees aren't doing those things. They're traveling, dining out, and living the high life. 

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