Morgage plus Escrow (taxes & insurance) for 3000sf House on 4 acres = 4500/mo

Utilities: gas, electric, water, sewer = 350/mo averaged over the year (seasonaly variable)

Transportation: $150/mo each person/car for fuel + $100/mo maintenance per car

Food: $600/mo groceries for two

Dinner out twice/mo (in Santa Fe) ~$150 per night or $300/mo

Health Club Membership - YMCA = $60/mo for two