In anticipation of possibly full timing in retirement I am doing some playing with budgets. Other than the RV loan (no I can't pay cash, and no my home has not been an appreciating asset so a loan is ...
Also, forgot to mention Boondockers Welcome and Harvest Hosts, two groups that charge a relatively small annual fee in exchange for giving you access to lists of private individuals and places like farms, vineyards, etc where you can park for free. Amenities may not be the same everywhere, such as electricity and water availability, and it's considered courteous to purchase something from the Harvest Hosts folks. Think of it as an RV'ers B&B for free.