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 Retirement can mean a big change in your cash flow. Here’s how to stay on top of your budget. 267993647 / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. You’ve spent decades in the workforce earning a living, your schedule dictated by the demands of the job. All the while, you’ve been steadily adding to your savings so that one day you could get to this point: retirement. You finally have time to cross items off your bucket list — or simply catch a midweek matinee movie.

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