Originally Posted by
oilman_15106
Only going to comment on 2 items from your list.
1 - In my first full year of retirement I have found that I rode fewer miles than when working. Hey you are getting older. Going to try to get back into the swing of things in 2013. Somehow your time demands shift and you are not on the bike as much, at least I was not.
2 - I centered my financial planning on what we were spending not what we had saved(or needed to save). Just about every retirement calculator is based on what you are currently earning and what you have saved. It is bunk to forget about what and how you spend your money.
Agreed: Many people (probably most) spend more money in restaurants each year than the cost of a nice bike -- which would further reduce their spending through building improved health and wellness for themselves. And, after buying the bike, the ride is free. And most people will feel better during and after the ride than they will after blowing another $50 on more fat and alcohol in a restaurant.