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Congratulations! You made it to your retirement. You finally have the time to do everything you've always wanted to do but didn't have the time for. But don't put on your Hawaiian shirt and set off on that cruise to the Bahamas just yet -- you better make sure your retirement savings can withstand all this age-appropriate partying. The good news: One of the best ways to ensure you can afford to do all the things you have planned for your retirement years is to make smart choices about your living arrangements. While assessing your living arrangements might feel a little too soon, you can never plan early enough for your future lifestyle.