2001 I was on a decent income, 2010 I was on 1/2 that, now am on 1/20th of my 2001 income.
No debt. minimal expenses, low cost lifestyle, but unexpecetd costs hurt.

Oh yeah--since I am unable to add much to the coffers, I am very cautious about wasting it. The way the government is going right now that is probably going to be an issue too.

I reduced my spending habits when I had kids

Cut way back in 2008 when broker empited my account along with fifteen others and we got ten cents on the dollar. Then I got divorced and lost my job. So cut way back on spending out of necessity. Now I'm taking care of my 93 year old mother and working under the Senior Community Service employeement program, at 9.10 an hour for tewnty five hours a week.

I was living on the cheap before I retired , pretty much a life style . Retirement , ment a serious cut in income for me as well , but I had prepared well throughout my work life . And now it's paying off .

We do what we want but yes we do spend less.

I have reduced my spending due the election of Trump. I am expecting hard times.

I have been retired for over 23 years and have not had the need to do so. I made adjustments to my spending habits BEFORE I retired so was good to go from day one.

Yes bigtime-5 years now.