(Image credit: Getty Images) Question: I am a 63-year-old, retired dad of three adult children. I spend most of my time with my wife at our brownstone in New York City, but we are also lucky enough to have a $3.2 million beach house in Hampton Bays, New York. We spend the summer there, hosting friends and family. With prices rising on everything from gas to groceries, I'm not sure if we can afford to entertain all summer. We don't want to say no to anyone; we look forward to it all year. But either we are going to have to cut back or tap into our retirement savings to make it work this year. What should we do? From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues CLICK FOR FREE ISSUE Sign up for Kiplinger’s Free Newsletters Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.…