I Asked ChatGPT How Much the Average Middle-Class Retiree Spends Monthly at Age 75: Here’s What It Said

Retirement spending statistics are often considered valuable, whether the person compares and contradicts the numbers mentioned with the status of their budget as retirees or planning a comfortable path to enjoy the golden years of the individual.

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ChatGPT grows popularly as a research tool for artificial intelligence (AI) as well as Tipster Personal Finance, so it may be important to consult exactly what how a retired middle class can spend when they reach the age of 75.

Chatgpt drew up data from the Federal Reserve of Sant Lewis (Farid) and the Bls Statistics Office (BLS) as its basic sources.

However, at first glance, while the stereotype cited BLS Table 1300 as an accurate source, it did not correctly specify $ 53,481 as the average annual spending of Americans between the ages of 75 years and over (instead saving much less than 36,673 dollars) in the terminology of survey data 2022.

Once the training course is corrected, Chatgpt presented the next collapse of the expenses, which were seized in 2025.

• Housing: $ 29,145

• food: 7,249 dollars

• health care: 9,694 dollars

• communications: $ 5,390

• entertainment: $ 2,696

• Cash contributions (donations, gifts, alimony, or child support): $ 3,851

• Clothes and services: $ 1,219

• Personal insurance: 963 dollars

• diverse: $ 3,977

This reaches a total of $ 64184 at the annual expenditures of the middle -class retirees in this age group in 2025. What the future holds is uncertain, and these numbers may be less than concrete, but it provides general evidence of what one can expect to seem to be the reality.

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Some of the prominent parts that LLM issued as part of the collapse of the category included the fact that housing was, to a large extent, the largest expenditures-even in the mortgage-free living families-because of property taxes, maintenance, facilities and insurance.

The health care has been placed up to other age groups, logically, but may have been less than expected due to the coverage of medical care.

Cash contributions reflected a strong pattern of generosity and gifts in this age group, and the transportation remained expensive (including gas, insurance and repairs) although the elderly of the Americans reported the frequency of less leadership.