Living in Retirement Nancy Graham Will I Spend Less When I Retire? PWL Capital 2019-06-26T14:50:56 June 26, 2019 So … you’re thinking about retiring. Someday, anyway. To prepare, you’ve been saving to your Registered Retirement Savings Plan (RRSP) and your Tax-Free Savings Account (TFSA). Maybe you’ve got a pension at work, and have been calculating what to expect from the government.