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 Many retirees find their costs are higher in some categories than they expected. Bezuglova Evgeniia / Shutterstock.com

Building the perfect retirement is not easy. Your plan will likely have to carry you through many decades of life without a steady paycheck. No matter how diligently you approach the matter, the strategy you settle on will probably be an educated guess at best. Many retirees begin to realize this truth a few years into retirement. At that point, they can see that while they were on target in…

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