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Budget Nomad Yearly Monthly Budget Albany, NY Yearly Monthly Budget Stamford, CT Yearly Monthly
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Registration (FL, annuals plus initial fees spread out) $ 75.00 $ 6.25 Registration (NY) $ 26.75 $ 2.23 Registration (FL) $ 35.60 $ 2.97
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Mail FWDing $ 240.00 $ 20.00
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Auto Insurance $ 1,583.00 $ 115.00 Auto Insurance $ 840.00 $ 70.00 Auto Ins $ 1,056.00 $ 88.00
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AAA Premier $ 120.00 $ 10.00
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Health Insurance (Platinum) $ 6,996.00 $ 583.00 Health Insurance (Platinum) $ 6,996.00 $ 583.00 Health Insurance (Platinum) $ 6,996.00 $ 583.00
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Health Insurance Deductable (Platinum) $ 1,600.00 $ 133.33 Health Insurance Deductable (Platinum) $ 1,600.00 $ 133.33 Health Insurance Deductable (Platinum) $ 1,600.00 $ 133.33
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Health Insurance Co-Pays $ 100.00 $ 8.33 Health Insurance Co-Pays $ 50.00 $ 4.17 Health Insurance Co-Pays $ 50.00 $ 4.17
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Glasses ($200 / 3yr) $ 66.67 $ 5.56 Glasses ($200 / 3yr) $ 66.67 $ 5.56 Glasses ($200 / 3yr) $ 66.67 $ 5.56
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Contacts (3mo supply from daysoft last a year w/ glasses) $ 20.52 $ 1.71 Contacts (3mo supply) $ 20.52 $ 1.71 Contacts (3mo supply) $ 20.52 $ 1.71
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Eye Exam ($200 / 2yr) $ 100.00 $ 8.33 Eye Exam ($200 / 2yr) $ 100.00 $ 8.33 Eye Exam ($200 / 2yr) $ 100.00 $ 8.33
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Wordpress Blog (will pay for it if I try to monetize) $ 180.00 $ 15.00
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Lastpass (keeps pwds safe) $ 24.00 $ 12.00 Lastpass (keeps pwds safe) $ 12.00 $ 1.00 Lastpass (keeps pwds safe) $ 12.00 $ 1.00
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Gasoline (20k mi / yr, $3.0 / gal. aiming high, 31 mpg RAV4 Hybrid) $ -
Premium Gasoline (20k mi / yr, $3.40 / gal. aiming high, 35mpg MINI Cooper)
$ 1,942.86 $ 161.90
Premium Gasoline (20k mi / yr, $3.40 / gal. aiming high, 35mpg MINI Cooper)
$ 1,942.86 $ 161.90
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Oil Change (every 7.5k becaue of idling in ready mode, synthetic) $ 213.33 $ 17.78 Oil Change (every 10k), syn $ 160.00 $ 13.33 Oil Change (every 10k), syn $ 160.00 $ 13.33
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Tires (last 50k, $675 inc. mount & tax) $ 270.00 $ 22.50 Tires (20k, $609.97 per set mounted) $ 609.97 $ 50.83 Tires (20k, $609.97 per set mounted) $ 609.97 $ 50.83
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Tolls $ 240.00 $ 20.00 Tolls $ 200.00 $ 16.67 Tolls $ 200.00 $ 16.67
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Car Repairs Car Repairs $ 1,200.00 $ 100.00 Car Repairs $ 1,200.00 $ 100.00
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Tax Prep $ 100.00 $ 8.33 Tax Prep $ 100.00 $ 8.33 Tax Prep $ 100.00 $ 8.33
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Used Car depreciation (RAV4 Hybrid ~$25k ~11k on it, should last 175k, do 20k/yr, sell for $1.5k)
New_Used Car ($25k, buy used gas car w/ ~25k on it, should last 175k, do 20k/yr, sell for $1k)
$ 3,066.67 $ 255.56
New_Used Car ($25k, buy used gas car w/ ~25k on it, should last 175k, do 20k/yr, sell for $1k)
$ 3,066.67 $ 255.56
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Food (Soylent, 28 bags) $ 2,592.00 $ 216.00 Food (Soylent, 28 bags) $ 2,592.00 $ 216.00 Food (Soylent, 28 bags) $ 2,592.00 $ 216.00
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Car Costs (Gas, Maintenance/Repairs, Depreciation) $ 6,143.86 $ 511.99
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Fresh Food (supplement Soylent) $ 600.00 $ 50.00 Fresh Food (supplement Soylent) $ 600.00 $ 50.00 Fresh Food (supplement Soylent) $ 600.00 $ 50.00
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Restaurants ($25/meal, 4x / mo) $ 1,200.00 $ 100.00 Restaurants ($25/meal, 4x / mo) $ 1,200.00 $ 100.00 Restaurants ($25/meal, 4x / mo) $ 1,200.00 $ 100.00
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Campsites (4x a month a month) $ 1,200.00 $ 100.00
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Yearly Dental Cleaning $ 175.00 $ 14.58 Yearly Dental Cleaning $ 250.00 $ 20.83 Yearly Dental Cleaning $ 250.00 $ 20.83
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Cavity Filing (every 3yr) $ 50.00 $ 4.17 Cavity Filing (every 3yr) $ 100.00 $ 8.33 Cavity Filing (every 3yr) $ 100.00 $ 8.33
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New Cell Phone ($500 every 3 yr) $ 166.67 $ 13.89 New Cell Phone ($300 every 3 yr) $ 100.00 $ 8.33 New Cell Phone ($300 every 3 yr) $ 100.00 $ 8.33
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New Laptop ($400 every 3yr) $ 133.33 $ 11.11 New Laptop ($400 every 3yr) $ 133.33 $ 11.11 New Laptop ($400 every 3yr) $ 133.33 $ 11.11
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Entertainment $ 2,400.00 $ 200.00 Entertainment $ 2,400.00 $ 200.00 Entertainment $ 2,400.00 $ 200.00
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Cell Phone (30gb Verizon) $ 1,620.00 $ 135.00 Cell Phone 5gb Verizon) $ 900.00 $ 75.00 Cell Phone 5gb Verizon) $ 900.00 $ 75.00
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Planet Fitness Black Card (can visit any gym and shower) $ 255.84 $ 21.32 Planet Fitness (single site membership) $ 144.00 $ 12.00 Planet Fitness (single site membership) $ 144.00 $ 12.00
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National Park Pass $ 80.00 $ 6.67
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North American Reciprocal Museum Pass (discounts/free entry to many places) $ 100.00 $ 8.33
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Laundry ($3.50/load, 2 loads / wk) $ 336.00 $ 28.00
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Flights "home" or to vacation destinations overseas $ 2,000.00 $ 166.67 Flights/Vacation $ 5,000.00 $ 416.67 Flights/Vacation $ 5,000.00 $ 416.67
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Clothing $ 500.00 $ 41.67 Clothing $ 500.00 $ 41.67 Clothing $ 500.00 $ 41.67
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Gifts $ 600.00 $ 50.00 Gifts $ 600.00 $ 50.00 Gifts $ 600.00 $ 50.00
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Postage $ 120.00 $ 10.00
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Misc $ 2,400.00 $ 200.00 Misc $ 2,400.00 $ 200.00 Misc $ 2,400.00 $ 200.00
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Amazon Prime Membership $ 120.00 $ 10.00 Amazon Prime Membership $ 99.00 $ 8.25 Amazon Prime Membership $ 99.00 $ 8.25
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Glucosamine/Chrondroitin/MSM $ 138.00 $ 11.50 Glucosamine/Chrondroitin/MSM $ 138.00 $ 11.50 Glucosamine/Chrondroitin/MSM $ 138.00 $ 11.50
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Vitamin D $ 12.24 $ 1.02 Vitamin D $ 12.24 $ 1.02 Vitamin D $ 12.24 $ 1.02
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Fish Oil $ 30.00 $ 2.50 Fish Oil $ 30.00 $ 1.02 Fish Oil $ 30.00 $ 1.02
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Curcumin Tumeric $ 83.96 $ 7.00 Electric $ 540.00 $ 45.00 Electric $ 360.00 $ 30.00
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Heat $ 720.00 $ 60.00 Heat $ - $ -
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Allegra (allergies) $ 31.00 $ 2.58 Allegra (allergies) $ 31.00 $ 2.58 Allegra (allergies) $ 31.00 $ 2.58
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Cable Internet $ 660.00 $ 55.00 Cable Internet $ 662.52 $ 55.21
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Rent $ 10,800.00 $ 900.00 HOA Fees $ 4,080.00 $ 340.00
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Federal Income Taxes
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No State Income Taxes
State Income Taxes (call it half the proceeds are from gains, not principal)
$ 1,124.00 $ 93.67
State Income Taxes (call it half the proceeds are from gains, not principal)
$ 990.00 $ 82.50
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Monthly Exp $ 2,911.12 Monthly Exp $ 4,003.94 Monthly Exp $ 3,376.72
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Yearly Exp $ 35,016.42 Yearly Exp $ 48,047.24 Yearly Exp $ 40,520.61
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Yearly, cummulative expense ratio $ 28.01
Yearly, cummulative expense ratio
$ 38.44
Yearly, cummulative expense ratio
$ 32.42
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2% Withdrawal Rate $ 1,752,221.66 2% Withdrawal Rate $ 2,404,284.08 2% Withdrawal Rate $ 2,027,651.52
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2.5% Withdrawal Rate $ 1,401,777.33
2.5% Withdrawal Rate
$ 1,923,427.26
2.5% Withdrawal Rate
$ 1,622,121.21
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2.75% Withdrawal Rate $ 1,274,343.02
2.75% Withdrawal Rate
$ 1,748,570.24
2.75% Withdrawal Rate
$ 1,474,655.65
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3% Withdrawal Rate $ 1,168,147.77 3% Withdrawal Rate $ 1,602,856.05 3% Withdrawal Rate $ 1,351,767.68
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4% Withdrawal Rate $ 876,110.83 4% Withdrawal Rate $ 1,202,142.04 4% Withdrawal Rate $ 1,013,825.76
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Items in Red need to be researched further
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