if you have saved enough to have an income beyond Social Security, things may get better when you retire.
First, a lot of your daily expenses go down, like commuting, work clothes, lunches.
Second, because you are older, the older you get, the less ambition you have to do things that are expensive
Third, while you may be sicker, you should have Medicare and supplemental Medicare insurance to help pay for it. Despite several hospitalizations since age 65, Medicare and my health insurance have covered every penny.
Fourth, paying for kids going to college should be over. Just don't let them mooch off you all the time.
Fifth, depending on where you live, you may qualify for discounts and tax breaks as a Senior.
I am 77 years old, fully retired, a widower, no dependents. No mortgage or car loans. I have more discretionary income now than ever before.
