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Nolan: Accountant supermarket manager http://www.mercyparklands.co.nz/?page_id=buy-art-paper-uk custom essay orders Flores estimates she spent about $112,000 in her first year of retirement; that's 75 percent of the $150,000 that was her last annual salary, a typical first-year percentage, say experts. But, like with Flores, not all the money goes to utility bills and blood pressure medication. Much of it is an upfront investment in lifestyle change.