The Boring Stuff or What Nobody Tells You About Preparing for Retirement

That meeting with the IFA is coming up and I've been preparing spread-sheets: income sources against expenditure and a list of assets and pension funds.
I've been told when you retire your expenditure on some things should decrease. However, I am struggling to identify anything apart from clothing and petrol at the moment. What's more I suspect any savings there, may be offset by increased heating bills and travel costs. Also there's the youngest to help until she finishes her education.
Help - if the figures don't balance, do I worry about living in penury when I'm 70, 80 or 90? Maybe I should visit a fortune teller rather than an IFA.


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