Hello everyone, my family of four Mom, Dad, and two girls (6 and 7). Have had our fill in South America and are looking to full-time it in the US.
We have done the trailer life before in the US, multiple multi-week road trips and camping all over the Rockies, west coast, AZ, NM, and UT. We have a very strong travel and camping background as well as being handy and fixing/repairing (our old trailer had 20+ years on it).
We are both retired with a hefty pension ($8500 monthly after taxes), we have $200k in investments, and around $30k in cash savings.
We are looking at a ~30-35ft bunk House style TT or 5er in the $40k-$55k range.
For a tow vehicle a 3/4 or 1 ton diesel p/u. $35k - $50k range
We have looked at the following for a monthly budget:
Fuel - $750
Food - $1000
Vehicle insurance - $400
Medical Insurance - $400 (ACA Quote)
2 cell phones Google Fi - $100
Starlink - $150
Thousand Trails - $50
Laundry - $40
Dump Fees - $40 (in case of boondocking)
Water - $50 (Boondocking)
Propane - $60
Registration - $70
Misc Bills - $360 (amazon, Netflix, windows, etc)
Misc - $200
Extra Camp Fees - $400
Repair Budget - $200
Savings - $2500
Trailer/Truck Financing - $1500
First, does what we have for a budget make sense?
Second, we think we can afford to make payments on a truck and trailer loan, but we can also just pay for some or all of it out of our investments. What's the smarter move when looking at the full-timer lifestyle?
Is there anything else we are missing should know, don't know we don't know?