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In all, this means the average American retiree (or those 65 and older) is spending about $3,700 per month -- or about $44,600 per year. Using the 4% rule, that would mean a nest egg of over $1 million would be needed to finance the average lifestyle.
True Costs and Benefits. Since 2004, costs for cruises and for assisted living have been going up, but comparing average cruise costs to $9,000 a month assisted living fees is misleading and inaccurate. According to A Place for Momâs 2012 Cost of Care Survey, the actual average monthly cost of assisted living ranges from $2,500 to $4,600. Thereâs considerable variation, too, depending on where seniors live and what amenities they need.