re: 400x your expected monthly expenses for retirement

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Shouldn't your expected monthly expenses decrease when you're retirement ago though?

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You're not saving for retirement anymore, but you have to pay more for healthcare.

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Shouldn't your expected monthly expenses decrease when you're retirement ago though? Ideally, no kid expenses and mortgage paid off or downsize to smaller house.

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13 years into what began as early retirement and that hasn't been my experience. Maybe if I still lived in ATL and could get future yr 62 and then yr 65 state income tax reductions in the future, lower property taxes with exemptions, and cost of repairs etc. Never had to pay ~ $17k - $20k for ACA costs then and contractors/repair people are extortionists here as well. Sent in 5 digit 4thQ Fed/state estimated taxes 2 weeks ago, I won't miss 2023 at all.