Red it's all the house moves. Even the free one. It's cost them a fortune, and made a big hole in his finances. Oh, and booking expensive cruises they don't get to go on.
Not sure what else they spend money on though- wardrobe keep putting Gobby in that horrible blouse she wore the Heston's wedding- so it's not clothes
.
He will never get to retire.
He doesn't go fishing anymore either. I think the writers have forgotten that he used to do that. All the time.