[Brian Griffin]

I also left out water & sewer.

[Big Red Badger]

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[woodbutcher1963]

The biggest mistake people make is forgetting the cost of inflation on goods and services.
The same car that now costs $50k used to be $25k.
Having my roof replaced last year was $14k on a 2700 sq ft house.
My driveway is 6000 sq ft. About 200 feet long.
Estimates are coming in from $28k-33.

My Skag commercial mower was more expensive than my first brand new 88 Tacoma.

You used to be able to go out for a fancy dinner for about $100. Now even a normal dinner out is about a hundred with tip.

A week long vacation for two used to be doable for $2-3K.
Now it can easily be over 10.

I bought my first house in 1990 for $125.
My second house in 1995 for $175.
My third house where I still reside for $270 fourteen year ago .It would be $700 if I had to buy it today.
I couldn’t afford to buy my own house today.

So, MY POINT is if you don’t want to pinch pennies in retirement WE all are going to need more than we think.
Even if we are debt free.

My 2 cents

[Sirius Lee]

I also left out water & sewer.

Even if you have a well and septic, pumps sometimes need to be replaced or lightning happens, and the tank needs to be pumped.