The average U.S. household spends about $78,500 annually, with retirees closer to $60,000. By adjusting 13 common expenses—such as forgotten subscriptions, auto insurance, dining out, brand-name groceries, cable bundles, unlimited cell plans, bank fees, impulse purchases, family support, owning a second car, high utility bills, life insurance, and credit card debt—retirees can save up to $35,000 yearly without major lifestyle changes.