1. Cost of living. Our boat is fully paid for. We owe nothing to anyone and everything we have is ours and ours alone. Our bills are minimal. Right now, because we are at a marina, our expenses are significantly higher than if we were at anchor. They are still, however, much less than our former "land based" bills! All of our bills (slip, electricity, water, gas) combined are about $460 per month. When we are on the move - our bills are considerably cheaper (we don't have slip fees, we make our own water, we replenish our batteries with solar power...etc - we do, however, have to buy diesel from time to time). If there is one way to get yourself stuck in a rut - owe money to the bank. Too many people overburden their lives with bills. They buy way too much - they owe on homes, cars, expensive toys, credit cards and more...how can you break free when you need to stay on the hamster wheel to pay off all that stuff?