Dtail
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Looks like we have some purely discretionary in the base budget. That is, if the SHTF, we could cut some from our base spending and be fine. Of course, we already have the $25k in annual BTD on top of that we could cut. And my data indicate that we actually have $50k / year we could spend on BTD. Maybe a list is in order?
$83,409 - Mildly frugal base budget
$108,129 - actuals (no real budgeting, just monitoring expenses)
$133,129 - actuals + $25k / year BTD
$158,129 - what the model says we can spend
My 2 cents FWIW.
You are fine overall financially with or without the larger food/clothing spending.
Based on this and past threads, it appears to let's say concern you about the clothing spending.
Before we retired, my DGF liked to spend a decent amount on clothing, but that has tapered off in retirement in exchange for other types of spending on experiences vs. things.
We still have infrequent spirited conversations about this area, but as long as it is reasonable, I back off.