Retirement for many, is their final career. As with any career you need to plan for it and that includes financially, lifestyle, activities, etc. Most people work their entire lives dreaming about retirement and when they get there realize they didn't plan for it. They may find themselves short on finances or bored with little or nothing to do. Those people don't usually enjoy retirement and many don't last long in it, either opting to go back to work or end up pushing up daisies.
What worked for me was not only laying out a financial and activity plan for my retirement, but also changing my lifestyle to how I thought I'd live in retirement years before I got there, i.e. while I was still working and could fine tune it. That got me into a comfortable lifestyle financially that I knew would work just fine when I entered retirement. Activity wise I assembled a long list of things I wanted to work on and do at home and with my time; my retirement ToDo list. And the last thing I did was to pay off everything while I was still working and purchase all my retirement toys and get them paid off too.
When retirement came it was a very easy transition with no financial surprises. Like others here I've found my ToDo list has kept me busier than when I was being paid to work. In fact, for the past few years the ToDo list has grown a bit faster than the Done list, but that's fine - it gives me more to do in the future.
I do live in Texas and have for the past 35+ years. We have no State income tax, but we have property taxes however they are basically frozen when you turn 65. (There are some details about this that one needs to be aware of though.) We do have sales taxes as well, but all things considered the cost of living isn't all that bad. Costs will vary depending on where you live in Texas. Property taxes vary by location as do insurance rates on things like homes and RVs.