The general belief is that you need 80% of your preretirement income to have enough money, and some might encourage you to save even more, just to be sure. But given the fact that these goals are really daunting, many retirees freak out and plan to work past 65 to make sure they have enough money.

The thing is, the 80% rule isn’t necessary for everybody, and the reality might be lighter than you’d think. You consume lesser the more you age, and stats are proving that to us: the average retired household spends 25% less than an average working household. To make the air even clearer, we made a list of 10 things you won’t have to worry about in retirement, financially.