I take it you never paint your bottom or buy sails or even the material to make them? No zincs on a steel boat? No steel or welding rods? No topside paint? No new lines - ever?
Come now Brent - being economical with your boats is one thing - being economical with the truth is another.
We are all aware of what boats cost for even minimal maintenance on the cheap. The majority of 35' sailboats take more than $10 THOUSAND a year and you claim to only spend $100? For a liveaboard?
Replaced my jib sheets a couple of years ago after 27 yers and 6 Pacific crossings and the rest cruising 11 months a year in BC . Last painted my bottom in Tonga 10 years ago, having a 5,000 mile sail ahead of me back to BC, mostly to windward. That was also my last haulout. It takes me 15 minutes to scrap the bottom of my twin keeler when aground on most low tides. No need for new bottom paint. I use the free zincs others throw away, so new you can still read the writing on them. Just picked up three more today.
Topside paint ,home hardware "Fishboat" paint costs $28 a gallon. I repaint it every couple of years. I was given 5 gallons of epoxy, but it only costs around $40 a gallon, and a gallon lasts many years doing touchups.
Welding rods are for new projects, mostly for other people , not maintenance ,except for one or two rods a year for welding zincs on.
On a well built steel boat, nothing breaks ,leaks or pulls away.
So what other expenses are you thinking about?
I dont make anywhere near $10,000 a year, total. Never have.