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Now that the stock market has shown us we cannot always rely on capital gains from our investments, or extra income from our savings, it may be time to take a closer look at the other side of the ledger: our retirement expenses. Not the little ones, like the cable TV bill or your morning latte, but the big ones that really make a difference in your budget.

It might reassure you to know that, on average, household expenses steadily decline with age, falling on average almost 20 percent between ages 65 and 75 and a total of 35 percent by age 85, according to a study by the Employee Benefit Research Institute. Nevertheless, we still have plenty of things to pay for. So here are the six major expenses — and what we can do about them — after we’re no longer bringing in a paycheck.