Key Points It's important to estimate your retirement expenses before you close out your career. You might spend more on healthcare than expected. Housing and leisure could also eat up a surprisingly large chunk of your income. The $23,760 Social Security bonus most retirees completely overlook › As you near the end of your career, it's important to assess your finances to see if you're ready to retire. And a big part of that means setting a retirement budget. Once you've mapped out your monthly ...