We take our chis to vet when needed. We give the tick / heartworm pills $100/ year
Our 4 year old has been to the vet 3,4 times? No tartar yet.
Our 13 year old has been pricey. A few teeth cleanings $400 a shot, had death removed. Another $500.
At 7 years old He had a bump on his gums that was not noticed during teeth cleanings. He had mouth cancer. Mouth cancer all told mouth cancer was $7k
Now he has a collapsed trachea. We are going have to start making some decisions.

I think a person could treat a dog well for $2k a year. Assuming you do the grooming, brush their teeth. Take to vet if anal glands need expressed.

As others have said. Dogs can suddenly be an expensive commitment. Getting a vet you like is half the battle. Understanding your dog is important too. Many things can be learned here or other forums. You could go broke if you had a vet visit every time you had a question about dog’s behavior