text: Can get monthly costs (after mortgage and savings which will not be there post-retirement) down to about $3k by cutting cell and transport bills in half, and cutting some from vacation and dining. Would still have a more-than-decent standard of living. This will help raise savings by age 65 closer to $300k. So then, $15k per year from government programs, say $12k from income on savings and slow partial drawdown. . . then work a few hours per week at the garden centre or something to cover the gap. But do NOT buy a new car and especially do not finance one. Lightly used for cash. And sorry no cabin. But on the whole it's not a terrible picture.( Shame about the lost decade though--it was a good one for investors.)