Think the rich use complicated trusts and other maneuvers to plan their retirement differently? Read More: How Much the Average Middle-Class Retiree Spends Monthly at Age 65 Check Out: 9 Downsizing Tips for the Middle Class To Save on Monthly Expenses While the wealthy do occasionally get fancy with tools and tricks, they mostly approach retirement from a different mindset. They plan longer term — which allows them to earn higher returns and pay lower tax rates. Here are five things middle-class retirees ...