For most of us our entire working career is spent with one long-term goal in mind, retirement.  And that's great!  But the problem is that many people are so focused on saving for and getting to retire that they don't think about how they will manage their money once they get there. The reality is that there is quite a bit that you have to think about when it comes to planning your retirement budget.  You have to consider your health, age, and hobbies in order to put together a realistic plan.  Remember, the idea is to not run out of money, so here are a few things that you might want to think about.