I'll tell you this... If it wasn't for property taxes and insurance premiums, I could do fine living on my retirement income. It's aggravating, because those are intangible expenses - can't eat, wear, ride or in any other way detect any direct return from those expenditures. Sure, a small percentage of what I pay in taxes might result in services that actually benefit me - and there is always the possibility of an accident or other calamity where insurance helps out. When you are earning a good wage, you tend to just shrug it off. But on a limited income, it accounts for a much bigger slice of the pie. Not much I can do about the taxes, but I can shop for the best deal on insurance. It has become a necessity to do that. Hopefully this doesn't sound like a rant. I think it is really a big issue for retired folks.