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My only saving grace is that my main expense (two thirds of my monthly living expenses), my mortgage payments, stayed more or less the same these last 3+ years, while my SS benefit income went up by 18% (COLA increases) since I started them in mid 2020.

The main living expense categories that have increased (in cost) - for me - have been food and fuel - the latter I don't use near as much as I used to (one tank per month vs. one tank per week when I had to commute to work). Healthcare is about 10% of my income now, but has not increased in absolute $, just as a percentage of my income vs pre-retirement.
 

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