 42% of these people say that health and dental care was higher than expected. That's a common one. That's actually come down. That number used to be higher. 36% of retirees say that housing costs was more than expected. My question is, why is housing costs so expensive? You should have your mortgage paid off when you retire. But despite higher than expected costs, 30% of retirees report that their overall lifestyle in retirement is better than they expected.