But you can plan for that.

Anyway, a lot of seniors also spend a lot less on discretionary items.

After you retire, you don't need a work wardrobe.  And the wardrobe you do have can be smaller too.  When you eat out, you can go after those senior size portions that are a bit smaller and cost a bit less.  And chances are, you don't eat out as often as you did when you worked.  You have less commuting expenses because you don't need to go to work every day.

Then there are all the senior discounts you now qualify for.