Imagine a retirement filled with blue skies, soft sand, and refreshing breezes. Picture yourself spending your days lounging in a hammock and listening to the waves roll onto the shore. You may be thinking that this scenario sounds great but that you cannot afford it. However, that is where you are mistaken. This book shows you how you can achieve your dream retirement without obsessing about saving and without overspending. As senior citizens age, they tend to go through less money; in fact, the typical over-75 household spent only $25,763 in 2004. This is in direct contrast to financial planners who tell you that you need to save large amounts of money in order to live comfortably during your retirement years. In this book, you will learn how to manage your expenses, how to reduce and eliminate debt, how to save and invest wisely, how to use retirement planning tools, how to reduce living expenses, how to downsize to a smaller, less expensive property, how to save on small items, how to prioritise your insurance, and how to cut back. Additionally, you will learn about withdrawal plans, selling your home, simplifying your life style, and streamlining post-retirement activities. Perhaps most interestingly, you will be presented with the option of moving overseas when you retire. Places such as Costa Rica, Panama, Belize, Malta, and Mexico offer lower living costs and lower prescription drug prices. In fact, approximately one million retirees live abroad. This book will provide you with a wealth of ideas about retiring with less money. You may have thought that a comfortable, happy retirement was out of reach, but if you read this book you will find countless ways to achieve your goal.