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You’ll probably pay less in income taxes. Taxpayers 65 and older who don’t itemize deductions can receive a higher standard deduction. And you’ll no longer have to pay into Social Security. Once you leave the workaday world, you won’t have to dress to impress anymore.
Consider donating your business wear to a charity and get a tax write-off.
You’ll no longer have to chip in for office birthday parties, buy holiday gifts for business colleagues or support the latest fundraising activities of coworkers and their kids, which can really add up. Things That Are Cheaper in Retirement. According to a recent study by Citi, full-time workers nationwide spend an average of about $12 per day commuting to and from work, or roughly $240 per month (assuming a five-day workweek).
Depending on your situation, it might be possible to forgot life and disability insurance once you’re retired. You may be eligible for lower car insurance premiums, too, if you are putting fewer miles on your car.
Senior discounts and freebies, everything from discount matinees at the movies and a $10 lifetime pass to America’s national parks to free (or discounted) fishing licenses in many states. It’s possible to have more fun on the cheap. This seems like a no-brainer, but you’ll no longer be contributing to your 401(k) or IRA once you retire. When budgeting for retirement, people sometimes forget that a significant portion of their preretirement income goes to retirement plans.
Many retirees say they drive less and less as they age, apart from the miles saved by no longer having a work commute. At the very least, this should result in some savings on gas and maintenance of your vehicles. You may even be able to get rid of a spare vehicle or live entirely car free. 
Unless you’re a dedicated brown bagger, you’ll see a big savings when you no longer have to buy workday lunches. Plus, with your extra free time, you’ll probably prepare more meals at home, not to mention take advantage of early bird and other senior discounts when dining out.

Until tomorrow: To be without some of the things you want is an indispensable part of happiness.

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Dorothy Prats

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