Key Points It may be important to change the way you spend once you've retired. You may need to scale back on high-risk investments as you approach retirement age. Healthcare costs in retirement can't be overlooked. The $23,760 Social Security bonus most retirees completely overlook › Even as you contribute to a retirement plan and consider your ideal retirement, it's easy to overlook the details. This is where focusing on the budgeting mistakes current retirees have made can come in handy. Once y ...