Maurice, you have raised many good points concerning your planning. I see answers covering a wide range of costs. How could it be any different? What you are asking is for people to define lifestyles, which is chock full of personal choices. The opinions I'm seeing are great! I think probably you have already provided 80% of you answer in the initial criteria you provided. Of course this reflects where you live and where you expect to travel. Same for all of us. I'm starting by estimating my retirement income, then how I want to live & travel (exclusive of the cost of the boat), and then deciding how much I'm willing to spend of my probable income to do that. Then I'm adding in a boat mortgage for 5-8 years. If it fits in my budget with a decent safety margin, I can figure how much my mortgage can be (what the monthly figure I decided on will buy in mortgage $$), plus what I project in available cash at the purchase point. Now I know how much I can spend to buy my boat. Now the hard part is, finding a boat to fit those parameters and budget. Lessee now, take the budget, add in the projections...... less that, factor in this.......political climate..times 1.345...inflation..... oil futures...times 0.8239......and,....geeeze.......I'm a damn trailer sailor....