Well, just posted that but hadn’t seen your follow-up.
I mow my own lawn too, heaven forbid. Tons of DIY on the home and autos, now if I could just learn to enjoy DIY in the kitchen....
Got a lot of life insurance now, since wife isn’t working and we’re still a long way from 65 with two college educations to help fund. Those expenses will drop somewhat over time, eventually to zero. The expensive own-occupation disability and our auto and umbrella policies (sky high thanks to the two teens covered) will eventually drop as well.
Property taxes and utilities are killers in TX. That, our high medical expenses, and too much eating out are our weak points. The rest of our spending is pretty minimal by today’s “typical” standards.
The FireCalc scenarios are a sobering illumination of how important the spending is in making the money last. Gonna have to spend some more time there.