What is most challenging about retirement spending is that most people don't have much else coming in, but savings. Social Security, yes, but Social Security only can only go so far in itself. If you intend to travel, Social Security alone might not cut it. To help prevent overdraws, you can plan a budget for yourself. Your budget will tell you how to spend during retirementWhat is most challenging about retirement spending is that most people don't have much else coming in, but savings. Social Security, yes, but Social Security only can only go so far in itself. If you intend to travel, Social Security alone might not cut it. To help prevent overdraws, you can plan a budget for yourself. Your budget will tell you how to spend during retirementWhat is most challenging about retirement spending is that most people don't have much else coming in, but savings. Social Security, yes, but Social Security only can only go so far in itself. If you intend to travel, Social Security alone might not cut it. To help prevent overdraws, you can plan a budget for yourself. Your budget will tell you how to spend during retirement