The old adage of financial planning of making a retirement budget for Thailand then doubling it didn't apply to me.
I'm spending less than I thought.
In planning I had populated the future with a larger appetite than I had. In fact the opposite was true.
I needed less beer than I had planned, less Aircon, less restaurants, less dating etc
Budgeted 70k a month life but only spend 50k.
How about others?