In our case our expenses will vary from year to year. We just retired last year and went full-time. We treated that first year like we were on vacation for a year. If there was something we wanted to do we did it. This year we are heading to Alaska and plan on taking part in many attractions. We expect it to be pricey, but we had planned on that. After that we still plan on traveling, but will sitting a little more and have a very nice place that has offered the camp host job to us for a 3 month stretch each year. So not only will we not have camp dues, but we might make a buck or two. So, you see, the variables are infinite even with the same campers.