How much do you really need to survive? Calculate your minimum cost of living

How do I calculate my minimum cost of living to start? Your minimum cost of living is the lowest amount of money you need to cover your basic necessities, like housing, transportation, utilities, healthcare, minimum debt payments, and of course, groceries. This does not include, I repeat, this does not include lifestyle expenses, retirement savings, or extra debt payments.

I’m serious. Just the basics. Once you add these necessities up, voila. You know, your minimum cost of living. This is the number that you wanna know like the back of your hand. Knowing your number is powerful, because you’re no longer guessing, you’re making moves. Copy goes here