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Small changes in everyday spending can lead to meaningful savings in retirement. A closer look at familiar routines may reveal more flexibility than you think.

Retirement often means adjusting to a fixed income, and rising costs can make even careful budgets feel tight. But that does not always mean giving things up. Sometimes, it is about spending more intentionally and spotting everyday habits that quietly drain money without adding much value. Ask yourself these ten questions to uncover simple ways to save more without sacrificing what matters.