2 adults 59 & 61
3 kids all moved out 2013-2016
Had a 35,000 mortgage (1980) at 12% and had to decide whether to refinance when rates went down, or just pay it off. TheHusbandHald got a severance pay from his job, found another, better, within 5 months, so we just paid the whole thing in 1990.
Paid 45,000 for the house in 1980, hired the construction of addition shell about 60,000 in 1992, did the rest ourselves. Last year decided to hire the kitchen completion. I was in a car accident in 2008, decided any serious complications would have shown up by now, so used 45,000 of that money for the kitchen.
Before the accident we spent 6,000-8,000 on dogs (traveling around the country, breeding, showing expenses) but now, maybe 2500. Currently down to 4 old adults, had 23 - 8 adults, one year.
We are also down to one vehicle, replaced after the accident. We probably spend 2500 on golf - him, not me.
LCOL area
Have had no debt since 1994 (car loan, 0% interest)
So, in 2017 we spent 42,000 yearly expenses and 45,000 on the new kitchen. Spending amount does not include the things that are automatically taken out of TheHusbandHalf's paycheck. (Health insurance, union dues, charity, life insurance)