Retirement is usually when a huge part of the income is not going to come to you from the next month onwards. You have to decide about retiring only if your life is not dependent on the income from your full-time job. If you are safe to cover your basic needs without that income coming in, then you are safe to think about retiring.
Some people reduce their expenses after retirement. The main reason is that their cash flow may not be the same as it used to be before. Having a reserved lifestyle is an individual's choice because not everyone can do that and some people prefer to have a luxurious lifestyle even after retirement.
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