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I remember years ago when I was working, a friend in his 60s said that he wanted to get one more nice big car before he retired. He figured if he bought a top-of-the-line Buick or Cadillac at 64, when he still had a nice salary coming in, it wouldn't feel like such a big "hit", and would probably last into his late 70s .. at which point he might not be driving quite as much.
Do you think there's a good argument for perhaps taking care of big ticket expenditures BEFORE they're absolutely necessary, just so you can do them while you're still working & have a stronger income?
Have you actually followed that method, so you wouldn't get hit with so many big expenditures after you retired?