You may have a budget all figured out that's worked fine for years, but if you're planning on retiring, you might want to consider how your spending will change once you're out of the workplace.
While a Government Accountability Office analysis of 2013 data from the Bureau of Labor Statistics has found that retirees cut their spending once they leave the job, that doesn't mean that what they spend their money on remains a constant.
And some of those changes can be costly.
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