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... MANY OF YOU STILL GO TO WORK … A notable 18 percent of 70- to 74-year-olds and 12 percent of 75- to 80-year-olds are wage earners, at least part time, the Minnesota Population

Center/IPUMS found. If you have an undergraduate or advanced degree, the likelihood you're still in the workforce jumps to 28 percent at age 70 and to 22 percent at 73. … AND YOU

DON'T JUST PUNCH THE CLOCK FOR THE MONEY. The paycheck is welcome, but you're equally interested in the other benefits. People who plan to work past age 67 told economists from the

Center for Retirement Research at Boston College that they're also interested in personal growth, meaningful relationships and passing on knowledge. PLUS: YOU DON'T WASTE MONEY ON

BOTTLED WATER. Just 15 percent of people 71 and older plunked down their hard-earned cash for bottled water, a 2012 study showed, compared with 30 percent of adults in their 30s and 40s.

YOU SPEND ONE-THIRD AS MUCH ON HAIRCUTS AS YOU DID IN YOUR 50S (IF YOU'RE A MAN). Women's hair care costs the same. Meanwhile, men also spend less than half as much on pants,

shirts, jackets, dry cleaning and, uh, underwear in their 70s as they did earlier in life, according to an analysis of U.S. Census data. YOU MAY GET A NEW RIDE. New-car spending falls

sharply for people in their 60s, then evens out in the 70s — perhaps a sign that cars bought before retirement are ready to be replaced now. Meanwhile, 70-somethings spend more than any

other age group on repairs of household appliances. YOU NEED HELP WITH THE GRASS. People in their 70s spend 60 percent more on yard-care services than they did in previous decades,

economic-forecasting firm HS Dent, in an analysis of census data, concluded. TRY THIS NOW FIND WAYS TO FIT BIG DREAMS INTO YOUR RETIREMENT Lavish trips. Fancy home renovations. Extraordinary

dining experiences. The first 10 to 15 years of retirement can be a time to realize dreams — or blow your budget. "Miscalculations could leave you short in your 80s or 90s," says

Steve Vernon, a research scholar in the Stanford Center on Longevity's Financial Security Division. Here's how to avoid that. WATCH THE BOTTOM LINE. One study showed that 46

percent of households spent more in the first years of retirement than when couples were working. Beware of new mortgages, furniture and other home extras.