You have to think this way
If someone has let's say 2 lakh of spend that includes a family of 4 , 2 children education also been included, once you retire that education factor decreased, and education is appropriately almost half of family spend, if you retire at age at that time you donot have children education where you would be investing your money so that would decrease you expenses, at the time of retirement also you only need the normal life not the life you are living in your 20s or 30s .