I agree. This is a tough topic to get a grip on for the reasons you give. It''s very individualistic. I know a fellow who can cruise on about $300 a month -- all meals aboard, no marinas, no nothing. That''s not my style at all. I haven''t gotten around to figuring out a budget for when I do retire and head south on a boat, but it will be closer to your figure than anything else I''ve read. In fact, probably higher than your $20K.