12 Things To Cut When Living On Retirement

12 Things to Cut When Money Gets Tight
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12 Things to Cut When Money Gets Tight
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Greensprout Team Updated June 16th 2026
Let’s be real: managing money can feel like a full-time job. Between bills, credit cards, subscriptions, and the occasional impulse buy, it’s easy to lose track.
I’ve spent years digging into the most common ways people waste money - and trust me, some of them are shockingly easy to fix.
Here are the biggest money-wasters I’ve found (and what to do instead):
1. Auto Insurance: Cut Your Payment by $400+/Year*
Sticking with the same auto insurance year after year?
It could be costing you.
The average American family still overspends by
$416 1 or more per year
on car insurance - often without realizing it.
I usually pull up
Auto Savings
- a free site that compares offers from trusted insurers. It takes just 2 minutes to see what’s out there.
Here’s how:
Click below to open
Auto Savings
Answer a few quick questions
Compare real offers instantly
That’s all it takes. You’ll likely save yourself a bunch of money.
See how much you can save on car insurance
*Savings vary by zip code and driving record.
2. $1M+ Saved for Retirement? Avoid These 7 Costly Mistakes
The biggest financial risk for investors with over
$1 million isn't market volatility - it's making the wrong moves at the wrong time.
The Seven Secrets of High Net Worth Investors
is a free retirement guide from Fisher Investments that walks you through the seven strategies wealthy retirees rely on to protect their portfolios and generate lasting income.
It's practical, jargon-free, and built specifically for investors who have real money on the line.
The team behind the guide has managed over
$362 billion in assets for clients since 1979, and millions of investors have already downloaded a copy.
If you're serious about making your money last through retirement, this is worth 10 minutes of your time.
Download the Free guide
3. Knock Out High-Interest Debt AND Earn Cash Back: $200 Bonus + Intro APR Offer
If high-interest credit card debt is eating into your paycheck, this card could help reduce interest charges for a limited time while still rewarding your everyday spending.
The Chase Freedom Unlimited® credit card includes a generous intro APR offer on both balance transfers and new purchases for a limited time. Depending on your current balance and interest rate, transferring existing debt during the intro APR period could potentially help reduce interest charges while you pay it down.
Then come the rewards —
5% cash back on travel booked through Chase Travel℠,
3% at restaurants (including takeout and eligible delivery) and drugstores, plus
unlimited 1.5% cash back on everything else.
The kicker: new cardholders can earn a
$200 bonus after spending just
$500 in the first
3 months — a built-in boost while tackling existing balances. No annual fee.
Good to excellent credit (typically 670 or higher) is recommended.
To see current details, visit the
Chase Freedom Unlimited
credit card
4. Still Overpaying on Your Home Insurance?
Home insurance protects your biggest asset - but that doesn't mean you should overpay for it.
Most people don't realize they can switch providers anytime, and potentially save hundreds per year without losing coverage.
Otto Home Insurance
helps you compare multiple home insurance offers in one place. Just enter your zip and basic info - it only takes a minute.
Enter your zip code
Answer a few quick questions
Compare offers from multiple carriers
Compare home insurance quotes with Otto
5. Protect Your Vehicle From Expensive Repairs
That dreaded check engine light? Never good - especially if your warranty's expired.
Endurance
helps drivers avoid costly repairs with extended coverage plans that can include engines, transmissions, brakes, air conditioners, and more.
They've protected millions of vehicles
over nearly 20 years and earned strong reviews online.
Just enter your vehicle details and get matched with a plan that fits your car and your budget. Coverage is affordable, flexible, and built to save you money.
Don't let repairs drain your savings.
Get a free vehicle quote
6. Ask This Company to Pay Off Your Credit Card Debt
If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here's the problem: the longer you put off tackling it, the harder it gets to fix.
If you don't take control of it early on, it can add undue stress to your life for years.
But what if there was a way to get out of debt once and for all?
National Debt Relief
could help. If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly program payment.
Best of all? There are zero fees until your debt is resolved, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!
Try National Debt Relief
7. Diversify Your Retirement Savings With Gold
If you've spent decades building your nest egg, the last thing you want is to watch inflation or a market crash take a bite out of it. That's exactly why more Americans are adding gold and silver to their retirement portfolios.
American Hartford Gold
specializes in helping people do just that — whether it's physical precious metals or a gold/silver IRA. And the historical case is hard to ignore: gold climbed 330% between 2005 and 2020, and actually gained 25% during the 2008 stock market crash. 7
Getting started takes three steps:
Request your free Gold IRA guide
Talk to a dedicated specialist about what makes sense for your situation (minimum IRA investment is $15,000)
Transfer or invest to start diversifying
They carry an A+ BBB rating, hold the #1 spot on the Inc. 5000 list of gold companies, and are exclusively endorsed by Bill O'Reilly. If you're serious about protecting what you've built, this is worth a look.
Get your free Gold IRA guide
8. Have $2M Saved for Retirement? What Can You Actually Spend Per Year?
It's one of the most common retirement questions out there - and honestly, there's no simple answer. The right number depends on your tax situation, Social Security timing, investment mix, healthcare costs, and other things many people don't think about until it's too late.
The smart move? Ask a pro.
SmartAsset’s free tool
matches you w…

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