Annual expenses (just for myself) amount to ~$19,000, which includes everything- all insurances (health, LTC, auto, RV and umbrella), housing costs (lot rent for my paid-for RV, electric bill), food and incidentals, fuel for paid-for pickup truck, vehicle/RV maintenance, business expenses, storage unit cost, phone/internet, clothing and recreation/fun money. Expenses = 32% of take-home income. 68% of my income is invested towards my FI.