Unless you have a pension and employeer provided health insurance I think money is a big question mark that does not have an answer for most. You can not control your life expency and probably have no idea if you will hit major medical excpenses. You can offset part of this worry with annuities (be careful on fees and consider the effects of inflation) and health/long term care insurance.
You might want to postpone your social security until you are 70, spouce should probably take now. It is cheaper to postpone SS than buy an annuity. SS has a number of options on how to take so study this area.
In general the retired set tends to keep saving money in retirement. Probably since you don't know what the future holds. Thus figuring out how much money you can/should spend each month is the bigest problem you have where you can make informed decisions. I am thinking you might spend too little.
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