Many of the options that people had originally planned on using in order to reduce their cost of living are no also no longer on the table. With the expenses being cut, i don't know, this may not apply across the board, but i'm certainly finding my household spending needs have declined at present, just because you can't really do anything anyway. But, but ya, if i like that term you used at go arbitrage, if you can move or spend more time in an area that has a lower cost of living, that that can help reduce expenditures without reducing the standard of living. Yen: It's always been the case that people tend to retire sooner than they thought they