My husband and I live on the West Coast of Florida, one bedroom condo, paid off, share one car, paid off, no debt. Our base annual expenses are about $14,400 (maintenance, power, internet, cell phone, health insurance, gas, food, car insurance, real estate taxes, homeowners insurance), plus our personal allowances bring it up to a little over $20K. We estimate we spend about $1,000- $2,000 extra per year on misc. (dental, eye appointments, RX, over the counter meds, grandkid expenses, etc). I basically feel like I'm on vacation all the time so I don't need to travel, but we do go to Germany every other year to see friends, and we did a lot of traveling before retiring. Well, I retired from my career 4 years ago and now I work 16 hours a week, so *almost* retired.