Since you asked... about $300K including taxes in MCOL area. Discretionary spending is probably much larger than non-discretionary spending. Main expenses are country club, lots of travel (about 3 months) and golfing 3 to 4 times a week while traveling, eating out at sit-down restaurants daily, full medical costs (non-subsidized pre-Medicare insurance for 1 while the other is on Medicare, plus concierge), expensive home upkeep - high HOA etc. No Roth conversion since we are taxed at higher tax bracket already.