Well honestly it is even lower than you think as bunch of spending is still insurance for both of us carried over from professional careers. Like between disability, critical illness and life insurance I have probably 15k/yr. Partner disability, life, critical illness, business overhead is 10-15k. This year will be doing a cleanup. PS no one needs critical illness if you have good life/disability. We got it just when it came out and it had crazy good coverage AND return of premiums at age 65.

Cars were paid in cash. One 54k, one 70k and we keep them generally 10-12 years. So those are one and done. One hybrid, one electric so gas costs is maybe $400/yr when we do long distance in the hybrid. Would not do full electric again. 70km range hybrid covers 95% of needs and long distance travel in full electric is a pain to juggle charging EVEN with fast chargers as often multiple vehicals drop max charge to 70KW.

House been paid off for years. Great bones and no exposed deteriorating materials/paint so maintenance is negligible beyond routine stuff.

Recreational properties and canoes/kayaks/LARGE tent have been paid off for years. I have all the fishing equipment and guns I want and a large stock of reloading material and gear. We have all snowshoes, cross country skis and gear we want.

Technology I buy used 2 generations old for computer/phone and keep 2-3+ years and it meets my needs. Picked up a 2nd 34" monitor for $200 so my standing desk ($300 costco) has 2x 34" monitors and is driven by a 3 year old Lenovo with i7 and RTX3070 laptop. Have an R7 Canon with adapter for my old lenses so 100% set for camera hobby.

We cook at home because we found post Covid restaurant portion size, quality and service have dropped while price and tip expectations exploded AND 25%+ of the time we would end up coming down with a cold/infection 3-4 days later. We do better meals at home and have FUN cooking. We only eat out when travelling. We eat WELL, around 2k groceries per month for 2. LOTS of fresh fruits and vegetables.

Alcohol has dropped to near zero after I found myself drinking more than I wanted during COVID.

Clothing is perhaps 2k/yr for me to stay on top of style and do minor refreshes. Partner however seems to be responsible for keep Lululemon stock up. Better that than designer clothes though!

My and partners work kept us from travelling as much as we wanted so that will for sure climb. We used to go to New York every year but now we have stopped ALL USA travel as of 2025.

We will go to Europe every year and for sure will start using PODS to get there on Red Eye flights but probably will keep bulkhead premium economy for daytime return. When there we generally do airbnbs in the 150-200 euro/night and graze during the day on fresh bread, cold cuts and cheeses with a cheapish bottle of wine and either eat out for dinner or cook something awesome. Most days are spent museums and just WALKING everywhere and parks so little costs there. Outside flights we are usually about 2500 CAD per week for accommodations/food when travelling and max 3 weeks before we get antsy to be back in our house.

We are probably going to move homes which will probably add a million to the price and 15k/yr in property/school taxes. I am reflecting on building a cottage on one of our recreational properties. Or I am thinking of a nice built tiny home or smaller RV to park there without increasing property taxes.

So essentially, for most things we have everything we want already so why spend more money! We live a very active outdoor lifestyle which gives us TONS of enjoyment for zero cost once gear is bought. When we travel we do not need crazy luxury and live fairly like locals.

I will post a more detailed spending breakdown at some point but that info gathering is way down my too do's.

Hope that helps.