Are you counting on your living expenses taking a nosedive in retirement? If so, you might be surprised to learn that most seniors only spend $1,000 less per month than their younger counterparts, for an average monthly spending of $3,800. The reason behind seniors’ high spending isn’t that they’re living large in retirement. Rather, it’s because while spending decreases in some categories, it goes up in others. And unfortunately, the categories where costs rise are some of the most expensive.