Wife and I have annual total expenses of about $60,000 which includes a paid off CYV in The Villages and a mortgage on a vacation home in Georgia plus Medicare, food, car, fun, etc. Get out your checkbook and add up each months expenses. Then divide them into categories such as mortgage, taxes, insurance, amenities fee, medical insurance, food, entertainment in the form of a spreadsheet. I think you will be pleasantly surprised that you can afford to live in The Village. One note of caution is that the villages hospital system is poorly rated, but there are good hospitals outside the villages.