Sure; I don't mind. Random thoughts here, without resorting to Quicken.
First, reverse the math. $48K is cash withdrawal, and with no house payment or federal income taxes (because of capital gains realization timing), it's equivalent to something like an $80,000 salary.
We're avid do-it-yourselfers, so there's a large avoided-cost component to our disposable income. I haven't had to pay a repairman for anything in years, except for automotive maintenance that's beyond my capability. Every avoided $80 service call is extra fun money.
We grow a lot of our own food and do our own cooking. The grocery budget is something like $400 -- $500 a month.
We travel by car, stay with friends and relatives or in campgrounds or average utility-type hotels, and don't go in for resort-style accommodations.
We have simple tastes. Clothing -- I wear cargo shorts, and the wife wears jeans. While our electronics are up-to-date, we don't buy every latest and greatest thing. Our Xmas and birthday gifts lean towards practical.
No land line. Basic cell phone plans.
We stay in shape. Few medical bills, only one (cheap) prescription med, and only catastrophic medical coverage. Our health insurance premium is right around $380 a month for a family of three, with two of us over 40.
We live in a rural county in Appalachian Tennessee. Our property tax bill for ten acres of land with a 2100 square-foot house with a detached 2000-square foot combination garage/workshop/upstairs apartment is $1500 a year.
That's some of it -- the major things, I think. $4000 a month is eminently do-able.
