when I retire, I plan to travel, buy stuff to set me up for retirement, fix up the house to be just like I want it- add pool, play stuff for the grandkids, etc. That's gonna cost money I'm not spending now, so I'll be churning cash for awhile.

then when I'm 85 or 90, if I'm still around, I'll be slowed way down and not traveling or doing much besides puttering around the house and with my multiple pensions, I'll still have the same amount of money coming it that I did on the day i retire.