I am always worried about money. I am 64 years old. I have worked on and off. My husband has been the money maker. I am learning disabled and don’t have any real money concepts. We will be living on our retirement money, pensions and IRA’s. Its hard for me to understand budgeting verses time. We both have medical issues currently, and coming back seems like a struggle. I know that we are spending too much on my health care. How do you make a realistic estimate on spending?