When I retired, I knew my income was going to change. What I apparently forgot was that my spending needed to change with it. For a while, I kept spending pretty much the way I had when I was working. Five months into my new lifestyle, I really looked at my bank accounts. The financial cushion I had when I retired was almost gone. That certainly got my attention. I hadn't suddenly become irresponsible. I simply hadn't adjusted my habits to my new reality. And it made me reali