What Your Retirement Hobbies Actually Cost

Real prices for six hobbies, read at each company’s own website in August 2026. What it costs to do it at home, what the big trip version costs, and where that money comes from once your paychecks stop.

What are you going to do on a random Tuesday in retirement?

Not the first Tuesday. The first Tuesday is easy. You sleep in. We’re talking about the Tuesday in your fourth year, when the honey-do list is done and the house is quiet and it’s ten in the morning.

Most people answer that question with a hobby. Golf. The garden. The workshop. A camera. Something they used to squeeze into a Saturday and now have all week for.

Almost nobody prices it.

That’s a strange thing to skip, because a hobby is one of the few expenses that goes up when you retire, not down. You have more hours to spend on it and more days to do it. And almost every one of these hobbies has a bigger version of itself sitting a plane ride away.

Why this page prices the trip first

A hobby you do at home is one number. The same hobby, done somewhere fun or interesting, is a completely different number.

You can take pictures of birds in your backyard. You can also spend nine days in south Texas with a guide who knows where every rare bird in the Rio Grande Valley is sitting. Both of those are birdwatching. One costs a pair of binoculars. The other costs $3,995 a person.

Traditional retirement planning prices neither one, because hardly anybody in the financial business ever asks what you like doing. They ask what you saved.

We picked six hobbies. Then we went to the schools, the guides and the charter captains who sell the trip version of each one, opened their own websites, and wrote down what they charge. We did the same thing for the gear, so you can see what the hobby costs you at home in a normal year. That’s the number that repeats.

At the bottom of the page there’s a section for the hobbies with no trip attached. Read that one even if you think it doesn’t apply to you. Two of the items on it cost more than most of the trips above it.

What does a cooking vacation cost?

Between $1,595 and $2,595 for a hands-on cooking school in this country, and the price covers your lunch and nothing else you eat.

The Culinary Institute of America runs short courses they call boot camps at their campus in Napa, California. You cook, and you eat what you cooked for lunch. That’s the meal that’s included.

Class runs from nine in the morning to two thirty in the afternoon, Monday through Friday. Your hotel is not included. Your flight to California is not included. Breakfast and dinner all week are not included, and Napa is not a place where dinner is cheap.

One thing to know before you book. The same five-day Basic Training course is $2,455 for the September 2026 session and $2,595 for the January 2027 session. Their own page says the fee can change.¹ Look up the session you want.

If you’d rather cook in Europe

A company called Let’s Eat The World runs an eight-day cooking week in Uzès, in the south of France. Seven nights in a villa, hands-on cooking classes, guided market tours, private wine tours, seven breakfasts, six lunches and seven dinners, and your ride from the train station. Eight people, one week, one departure a year.

They price it in euros, not dollars. €5,135 a person sharing a room, €5,713 for your own room. A spouse who comes along but doesn’t cook is €3,700.²

We’re not going to convert that to dollars for you. The exchange rate moves, and whatever number we printed would be wrong by the time you read this. Look it up the day you book.

What cooking costs at home

The gear is a one-time cost. The classes are the yearly one.

Buy the knife, the Dutch oven and the mixer and you’re at $954.95, once. Take one class a month at $69 and that’s $828 a year, every year.

A year of monthly cooking classes at home costs about a third of one week in Napa.

What does a birding or photography trip cost?

Between $3,995 and $4,690 a person for a guided trip of eight or nine days, and both of those prices leave off your airfare.

Birding and photography end up being the same hobby for a lot of people. You buy a camera to take pictures of birds, or you take up birds because you bought a camera. Either way you end up in the same places.

Field Guides runs a nine-day trip called South Texas Rarities through the Rio Grande Valley. $3,995 a person, two to a room. Your own room is $625 more. The group is capped at seven people.⁸

What that covers is real: every hotel, every meal on the itinerary, a cooler of drinks in the field, all the driving, every park entrance fee, your bags, the tips, and the guides. What it doesn’t cover is getting yourself to Texas.

One nice detail from their page. The guides carry a spotting scope for the group to share, so you don’t have to own one to go.

Naturalist Journeys runs an eight-day Costa Rica birding trip. $4,690 a person sharing a room, $5,160 for your own room, starting from San José. Hotels, the meals on the itinerary, guides, park fees and most of the tips are in. Your flight to Costa Rica is on top.⁹

Both of these fill up early. The Texas trip we priced was already on a waiting list, and both Costa Rica dates were sold out. This is one you should be planning ahead for. The good small-group trips are booked a year out.

What birding and photography cost at home

Look at the first two rows. The lens costs more than twice what the camera costs. That’s the number that surprises people who thought they were buying a camera.

You can start much smaller. A pair of $319.99 binoculars and a $20 Audubon membership gets you into the hobby for $339.99, and that membership signs you up for your local bird club at the same time. In Kansas City that’s Burroughs Audubon, and they don’t charge separate dues on top of the $20.¹⁴

What does a deep-sea fishing trip cost?

Between $1,150 and $2,400 for a boat, not for a person, and the boat holds six.

This is the one number on this page people get backward, and getting it backward makes the whole hobby look four to six times more expensive than it is. A charter captain rents you the boat. Whether you show up with one buddy or five, the price on his page is the same.

Take the full day in Kona. $1,650 for the boat, split six ways, is $275 a person for eight hours chasing blue marlin. The Hawaii captain’s price includes all the taxes and fees, and he’ll tell you right on his page that a tip of fifteen to twenty percent is customary. The Destin captain includes your bait, your tackle and your fishing license.

If you want to go bigger. Crocodile Bay in Costa Rica charges $1,695 a day for a 25-foot boat that takes four anglers, or $2,195 a day for a 33-footer that takes six. Captain, license, gear, bait, fuel, and a cooler with lunch and drinks are all in it. Your flight, your ride from the airport at $495 a person, and the tips are not.¹⁷

What fishing costs at home

Almost nothing, and this is the best news on the whole page.

Kansas stops charging you at 75. Their own page says residents 75 and older don’t need a hunting or fishing license at all.¹⁹

A rod and reel combo from Ugly Stik is $79.95 and carries a ten-year warranty. Add a $14 Missouri license and you are fishing for the year for $93.95.²¹

Now the part that isn’t cheap, which is the boat. Missouri charges $25 plus a $9 fee to register a boat under 16 feet, and you only do it every three years. That’s the small number. The big ones are the slip and the taxes. A marina in Florida that publishes its rates charges $16 a foot a month for an annual slip, which puts a 24-foot boat at $384 a month, or $4,608 a year, to sit in the water. And Missouri makes you show a paid county personal property tax receipt on the boat before they’ll renew your registration.^22,23,24

Here is what a boat actually costs in retirement, priced all the way out in all five states we serve.

Having a boat in retirement is a payment you plan for. It belongs in the income side of your plan, the same as any other payment. Fishing itself is $93.95.

What does a motorcycle trip cost?

Between $7,150 and $7,898 a person for a guided tour of ten to fifteen days, and the gas is usually on you.

MotoQuest runs a ten-day trip through the American Southwest, round trip out of Las Vegas, 1,817 miles. They publish the clearest pricing of any tour company we looked at.

Hotels, a guide, a support vehicle with a driver, a staffer trained in first aid with a satellite phone, and the welcome and farewell dinners are included. Your airfare, every other meal, and your gas are not. On an 1,817-mile trip, that gas is a number you’ll have to add yourself.

EagleRider runs Route 66, Chicago to Los Angeles, fifteen days and 2,807 miles. $7,898 for one person on one bike in one room. Two of you on one bike is $4,689 each, so $9,378 for the couple. Two of you on two bikes sharing a room is $6,347 each.

The same road, self-guided instead of guided, is $5,820 for one person. You get the bike and the hotels booked for you, and you ride it on your own schedule with nobody waiting on you. That’s about $2,000 less for the same fifteen days.²⁶

If you’d rather not ship your bike, EagleRider rents them by the day out of Las Vegas. A Harley Road Glide or Street Glide is $208 a day. A Street Glide Ultra is $245. A BMW R 1300 GS is $275. The cheapest bike on their lot, a Yamaha V Star 250, is $121 a day.²⁷

What a motorcycle costs at home

Harley’s own fine print says that $25,999 is before tax, title, license, registration and the freight charge. Even Vivid Black paint is another $500. Figure $26,894 before you’ve paid a dime of tax on it.

Then the yearly costs, and they’re small enough to be funny next to that.

That’s liability only. Carry full coverage on a $26,000 Gold Wing and you’ll pay more than that.

Gear from Harley’s own store: a full-face helmet is $150, a mesh riding jacket is $215. Their best-selling leather jacket is $625, and their modular helmet is $285, so figure somewhere between $365 and $910 to be dressed for it.³²

And the license plate on the bike, in Missouri, is $8.75 a year plus a $9 fee. Call it $18.²²

The bike is $26,894 out the door. The plate on it is eighteen dollars.

What does a music trip cost?

$1,200 for a week at a camp with a bed and every meal included, and there’s a rate for the spouse who doesn’t play.

Steve Kaufman’s Acoustic Kamp runs on the campus of Maryville College in Tennessee. Their own page says the $1,200 covers all your classes, the concerts, the workshops, all your meals, and six nights in a dorm room. Taxes and fees are in that number.

That $650 companion rate is the row to understand. Your spouse doesn’t have to play a note. They get the room, all the meals, the concerts and the jam sessions. They just don’t sit in the classes.

They teach guitar, banjo, mandolin, fiddle, dobro, bass, ukulele, dulcimer, singing and songwriting. Two separate weeks in June 2027, one old-time and one bluegrass.

Road Scholar runs a seven-day recorder and early music workshop in Carmel Valley, California. $1,499 for one person sharing a room, $1,919 for your own room, $2,998 for two of you sharing. That includes six nights and sixteen meals, so a couple of meals across the week are on you.³⁴

If you’d rather listen than play, the Telluride Bluegrass Festival in Colorado publishes its prices. A four-day pass is $420. Camping in Town Park is $600, and read this next part carefully, because the camping pass includes the four-day festival pass. It does not stack on top of it. A tent in Town Park is $600 in total, not $1,020.³⁵

One thing to keep straight if you’re comparing those three. The music camp at $1,200 comes with a bed and every meal. Telluride at $600 comes with a patch of grass, a porta potty and a shower token. Every meal, and getting yourself to Telluride, is extra. The camp is the better deal even though the number is bigger.

What music costs at home

Those lesson prices are from the Old Town School of Folk Music in Chicago, which posts its rates right on the page. Eight weeks of half-hour lessons at $360 works out to $45 a lesson.

A week at the camp costs about the same as six months of lessons at home.

What does a woodworking class cost?

Between $1,150 and $2,075 in tuition, and the room and the meals are billed separately at every school we checked.

This is the category where the sticker price on the class is the smallest part of the bill.

The Marc Adams School of Woodworking in Franklin, Indiana runs five-day classes. Here’s what one actually costs, all in.

Lunch every day is included. Breakfast and dinner are not. Indiana adds seven percent sales tax and a five percent innkeeper tax to the room.

Watch the materials line. Same school, same $1,050 tuition, and a chair design class charges $90 for materials while the cabinet class charges $260. Ask before you sign up.

The Center for Furniture Craftsmanship in Rockport, Maine charges $1,150 for a one-week class and $2,075 for two weeks, plus a $95 registration fee. A private room in a shared house nearby is $395 a week.

No meals. None. Their whole food calendar is pizza on Monday night and a potluck on Thursday. Every other meal for two weeks is on you. A two-week class there is $2,960 before you eat anything.⁴²

The John C. Campbell Folk School in North Carolina does it differently, and cleaner. Tuition is $730 for the week, and the housing rate includes all your meals, running $495 for a dorm bed up to $965 for a private room with its own bath. If you sleep off campus you can buy just the meals for $285.

One warning on that school. Their page lists 2026 and 2027 side by side, and the weeklong tuition goes from $730 to $950.⁴³ Check the year before you budget it.

What woodworking costs at home

Seven thousand dollars and you still have to find room for it in the garage.

There’s another way to do this, and it costs $200. The Kansas City Woodworkers’ Guild charges $100 a year for a membership if you’re 65 or older, and $200 a year for the level that includes shop privileges, which is what lets you use their tools. Their most popular membership is the $200 one. You take a safety class, you earn what they call a green name badge, and then you have a full shop.

The workbench alone is $2,520. The guild is $200 a year.

You do not have to buy a shop to have a shop, and that same idea exists in most cities. MakeICT in Wichita is $25 a month for the whole building.⁴⁹

What about classic cars?

This one is a luxury, and the right move is to plan for it as a luxury instead of pretending it’s a hobby with a budget.

Kurt is a classic car guy, so this section exists because he asked for it and then argued against it himself.

Here’s the trouble with pricing it. Nobody buys a classic car because the numbers worked. You buy it because you wanted it in 1970 and you finally can. Whatever we printed for what one costs would be wrong, because the car you want is the car you want.

What we can tell you is what happens after you buy it. It needs a place to live that isn’t the driveway. It needs its own insurance policy, usually an agreed-value one, which is a different product from the policy on your daily driver. It needs parts that are hard to find and a person who knows how to put them on. And unlike a boat or a motorcycle, it doesn’t really have a cheap version of itself.

There’s a trip attached to this one too, and it’s the best part of the hobby. Car shows, cruise-ins, the auctions in Scottsdale, driving Route 66 in something that was built to drive Route 66. Those are cheap days out. The car is the expensive part.

Plan it the way you’d plan a second home. Decide what you’re willing to spend every year on it before you buy it, make sure that money comes from income instead of out of your growth account, and then go enjoy the thing. That’s a completely reasonable way to spend retirement money. It just isn’t a hobby that fits in a table.

What about the hobbies with no trip attached?

Two of them cost more than most of the trips on this page, and they’re the two people assume cost nothing.

Not every hobby involves an airport. Reading, gardening, the dog, a puzzle on the kitchen table. Those are how most retirees actually spend most of their time, and calling them the inexpensive ones is where people go wrong.

What does a dog cost?

About $2,770 a year, and it’s a payment you plan for.

That number comes from the 2025 Synchrony Pet Lifetime of Care Study. Three years earlier the same study said $1,591. It went up seventy-four percent in three years.^50,51

Over fifteen years, that study puts a dog at $22,125 to $60,602 and a cat at $20,073 to $47,106.

Now here’s what that same study found when it asked owners what they thought it cost. Dog owners guessed about $8,000 for the whole life of the dog. Cat owners guessed under $6,000.

The gap between $8,000 and $22,125 is the most misunderstood number on this entire page.

That emergency exam fee is just the exam. It’s the price of walking in the door. Bladder stone surgery on a dog runs $2,331. Oxygen therapy for a big dog runs $1,528 a visit.⁵²

And here’s the part that has nothing to do with pets and everything to do with retirement income. The Kansas State Veterinary Health Center publishes its emergency policy right on its website. There’s a $180 after-hours fee, and a deposit of about sixty percent of the estimate is required before they start treatment.⁵⁴

Sixty percent, up front, before they start.

That’s not a pet problem. That’s a liquidity problem, and a vet school just described it better than any advisor could. Three out of four pet owners in that Synchrony study have already been hit with a surprise bill over $250. Only 31% said they could comfortably handle a big one.

Gardening costs $740 a year

The National Gardening Association’s 2026 survey puts average household spending on lawn and garden at $740 a year, up 18.3% in a single year, and total spending at an all-time high of $79 billion.⁵⁵

A rear-tine tiller starts at a thousand dollars from the people who make it. One four-by-four raised bed is $219.99 before you buy a single bag of soil.

The Master Gardener program through the University of Missouri Extension is $200 for the training, and then it asks you for thirty hours of volunteer work in your community. That’s a fair trade for most retirees, and you should know the hours are part of the deal before you sign up.⁵⁸

Reading, games, and the library

Kindle Unlimited plus Audible Premium is $26.94 a month, which is $323.28 a year.

Your public library card costs you nothing if you live in the district. Mid-Continent Public Library charges $70 a year if you live outside of theirs. The Kansas City Public Library doesn’t charge late fines at all anymore, on anything.^63,64

Two subscriptions run $323.28 a year. A library card in your own district runs zero. That’s the comparison, and plenty of people happily pay the $323.28 anyway. Just know you’re choosing it.

Where does the money for all this come from?

This is the part of the page that matters more than any price above it.

A hobby is not one bill. It’s a bill that shows up again next month, or next year, and the year after that, for as long as your health holds up.

Look at what’s actually on this page. The dog averages $2,770 a year. The garden is $740 every year. The guild dues are $200 every year. The camp is $1,200 every year you go. None of those are one-time purchases. They’re a standing order.

Pull that money out of your savings in a year the market is down, and you didn’t just spend the money. You spent that money and everything it would have earned back for you later. Have that happen three years running in a bad stretch and it shows up in your balance for the rest of your life.

Or maybe worse, you don’t do the thing. The woodworking class waits. The trip to Texas waits. And then your knees, or your eyes, or your hands, or the day you can’t hold your motorcycle up anymore, makes the decision for you.

Here’s what Lifestyle-First planning does differently, and let’s be straight about the part nobody says out loud. The money that goes toward what you’ve allocated for income comes from your savings because it has to. There’s nowhere else for it to come from.

What changes is what happens to it on the way. Instead of leaving everything in one account and selling pieces off whenever you want to do something, you take the portion you’ve already decided is for living on, not for growing, and turn it into income that lands in your bank account every month for as long as you live.

Same money. It just shows up as a paycheck instead of a withdrawal.

The ten-year head start

We also recommend planning what you want to do in retirement years before your actual retirement date. Not just thinking about retiring. Actually planning the income for it.

Here’s why that matters so much.

Money moved into guaranteed lifetime income earlier buys you more income per dollar. A couple planning to retire at 65 who moves $100,000 into a hobby and lifestyle budget ten years ahead, at 55, produces about $15,554 a year for life. Wait until 65 to move that same $100,000 and it produces $7,680 a year for life.

Same hundred thousand dollars. More than double the income, for the rest of both of their lives, because of when they did it.

Now put those incomes against what’s on this page.

Read the bottom two rows again.

The ten-year head start, and we call that your runway, is the difference between “let’s go to Texas this spring” and “let’s not.”

And look at the top of that table. $15,554 a year is not one thing. It’s the dog, the garden, the guild dues, a week at music camp, and a fishing charter, all in the same year, out of income that arrives whether the market is up or down, without touching the savings that pay for everything else.

If you’ve saved more and you want to put more toward the life you want, the math is easy to estimate. $200,000 with a ten-year runway creates $31,108 a year for life. Wait until you retire at 65 and the same $200,000 creates $15,360.

Keep in mind that the hobby budget you’d use in your go-go years, when you’re healthy enough to enjoy all of it, continues for the rest of your life, no matter what the market does, no matter how long you live, and, if you’re married, as long as your spouse lives.

Nobody ever asked you what you wanted to do with the money

The reason your advisor never priced out a week of woodworking school for you isn’t laziness. The whole traditional retirement planning business is built backward.

The standard retirement plan starts with your savings and lets that balance decide what life you get. Typically, it’s based on some safe withdrawal rate, or a retirement success score, or a guardrail strategy. Nothing concrete, nothing guaranteed. Just a plan built on hoping the market agrees with your retirement date.

Doesn’t that sound more like a business model than a plan for your retirement?

Lifestyle-First planning starts at the other end. You decide your life first. Your essentials, your adventures, your experiences, and the memories you want with the people you love. Then we build income underneath all four that arrives in your bank account every month for as long as you live. That’s your Protected Lifetime Income.

Never all of your money. The right amount for the life you picked, with the rest left liquid and still growing. And if you plan your income earlier you can either use less money to create the income you need, or you can create even more income out of the money you’re setting aside for it.

There is a trade-off with having the right amount of Protected Lifetime Income, and we’ll show it to you before you decide anything. The protected part is less liquid, and on its own it leaves less behind. The liquidity piece is something traditional planning tends to emphasize without fully disclosing the cost of you using that liquidity. Here’s the real story on annuity liquidity.

What you get for that trade-off is pretty powerful. Since the income covers your life, the rest of your money isn’t being drained to live on. You’re not forced to take income from your retirement account when it’s down. It’s left alone to grow, and the luxuries, the emergencies and what you leave your kids all come off that growth side.

Here’s how Lifestyle-First income planning works.

First your life, then your money.

Your hobbies are one line on a longer list. Here is what the retirement you want actually costs, with every piece of it priced.

Related reading

• What the Retirement You Want Actually Costs
• What a Trip in Retirement Really Costs
• What a Bucket List Golf Trip Actually Costs
• What a Country Club Membership Actually Costs
• What Would a Random Tuesday Look Like in Retirement?
• Afraid to Spend Money in Retirement
• The Retirement Spending Smile Nobody Told You About

Run your own number

Put in your savings, the income you want, and the age you’d claim Social Security, and see what your own picture looks like. It costs nothing and asks nothing of you.

Frequently Asked Questions

Sources

1. Culinary Institute of America, Napa boot camp course calendar. The published fees for the Napa boot camps used on this page, $1,595 for the three-day courses, $1,955 for Bistro Boot Camp, and $2,455 for the five-day Basic Training and Asian courses, plus the note that the same Basic Training course rises to $2,595 for the January 2027 session.
2. Let’s Eat The World, cooking vacation in Uzès, France. The eight-day French cooking week priced at €5,135 a person sharing a room and €5,713 for a private room, with a €3,700 rate for a non-cooking companion, and the list of what the villa week includes.
3. Wüsthof, Classic 8-inch chef’s knife. The $170.00 regular price for the Classic 8-inch chef’s knife and the $340.00 price for the three-piece Classic starter set.
4. Le Creuset, Signature Round Dutch Oven. The $285.00 to $680.00 suggested retail price range across the 2 quart through 13.75 quart sizes of the Signature Round Dutch Oven.
5. Williams Sonoma, KitchenAid Artisan 5-quart stand mixer. The $499.95 price for the KitchenAid Artisan 5-quart stand mixer. KitchenAid’s own site would not display a price, so the authorized retailer’s rendered price is used.
6. Sur La Table, in-store cooking classes. The company’s own statement that in-store cooking classes start at $69 per person and vary by class, location and menu.
7. Lincoln Land Community College, community education culinary course. The $69.00 registration fee for a single three-hour community college cooking class, used as the comparison price for a class taken near home.
8. Field Guides, South Texas Rarities birding tour. The $3,995 per person tour fee based on double occupancy, the $625 single supplement, the seven-person group limit, and the statement that lodging, meals, transport, park fees and tips are included while airfare to the departure point is not.
9. Naturalist Journeys, Costa Rica Birding and Nature tour. The $4,690 double occupancy and $5,160 single occupancy cost from San José, and the statement that accommodations, listed meals, guides and park fees are included while round-trip airfare from your home city is not.
10. Nikon USA, NIKKOR Z 180-600mm f/5.6-6.3 VR. The $2,199.95 price for the 180-600mm telephoto zoom lens, the lens the page compares against the $1,009.95 starting price of the Z50II camera body.
11. Vortex Optics, Diamondback HD binoculars and spotting scopes. The $319.99 MSRP for Diamondback HD 8×42 binoculars, the $719.99 MSRP for the Viper HD step-up model, and the $699.99 MSRP for the Diamondback HD 20-60×85 spotting scope.
12. National Audubon Society, membership. The society’s own statement that an annual recurring gift of $20 or more, or a monthly gift of $5 or more, qualifies for Audubon membership.
13. Adobe, Creative Cloud plans and pricing. The US$11.99 a month annual-billed price for the Lightroom single app with 1TB of storage, which is the $143.88 a year figure on this page.
14. Burroughs Audubon Society of Greater Kansas City, membership. The chapter’s own statement that National Audubon membership automatically makes you a member of the Kansas City chapter, with no separate chapter dues on top of the $20.
15. Fire Hatt Sportfishing, Kona, Hawaii charter rates. The $1,150 four-hour, $1,400 six-hour and $1,650 eight-hour rates, stated on the company’s page as per group for up to six people with all taxes and fees included, and the note that a fifteen to twenty percent gratuity is customary.
16. Charter Boat Hard Charger, Destin, Florida rates. The $1,200 four-hour, $1,800 six-hour, $2,400 eight-hour and $3,600 twelve-hour rates, stated as based on up to six passengers, with bait, tackle and licenses included.
17. Crocodile Bay, Costa Rica fishing rates. The $1,695 per boat per day rate for a 25-foot boat taking four anglers and $2,195 for a 33-foot boat taking six, what the day rate includes, and the $495 per person transfer fee that is excluded.
18. Missouri Department of Conservation, fishing permit. The $14.00 resident and $57.00 nonresident annual fishing permit prices.
19. Kansas Department of Wildlife and Parks, fishing license and permit fees. The $25.00 resident annual license for ages 16 to 64, the $12.50 one-year and $50.00 five-year senior rates for ages 65 to 74, and the agency’s statement that Kansas residents 75 and older are not required to buy a hunting or fishing license.
20. Florida Fish and Wildlife Conservation Commission, saltwater fishing license. The $17.00 resident annual and $79.00 resident five-year recreational saltwater fishing license fees.
21. Ugly Stik, GX2 spinning combo. The $79.95 price and the ten-year warranty on the GX2 rod and reel combo.
22. Missouri Department of Revenue, titling and registration fees. The $25 registration plus $9 processing fee for a boat under 16 feet, and the $8.75 one-year registration plus $9 processing fee for a two-wheel motorcycle.
23. Missouri Department of Revenue, watercraft registration. The three-year boat registration cycle and the requirement to present a paid county personal property tax receipt from the previous year before a registration can be renewed.
24. City of Vero Beach Municipal Marina, published rate schedule. The $16.00 per foot per month rate for a long-term annual slip, which is the figure behind the $384 a month and $4,608 a year cost of keeping a 24-foot boat in the water.
25. MotoQuest, American Southwest Adventure motorcycle tour. The $7,150 shared-room, $8,325 private-room and $12,900 two-riders-on-one-bike prices, the $750 credit for bringing your own motorcycle, and the company’s own lists showing hotels, guide and support vehicle included while airfare, meals on the road and gas are not.
26. EagleRider, Route 66 guided motorcycle tour. The fifteen-day Route 66 package prices of $7,898 for one rider on one bike in one room, $4,689 each for two riders on one bike, and $6,347 each for two riders on two bikes, against $5,820 for the self-guided version of the same route.
27. EagleRider, Las Vegas motorcycle rental rates. The published day rates used on this page, $208 for a Harley Road Glide or Street Glide, $245 for a Street Glide Ultra, $275 for a BMW R 1300 GS, and $121 for a Yamaha V Star 250.
28. Harley-Davidson, Road Glide model pricing. The $25,999 starting MSRP, the $895 freight charge itemized in the pricing details panel, the $500 Vivid Black paint charge, and the fine print stating the price excludes tax, title, licensing, registration and destination charges.
29. Honda Powersports, Gold Wing. The $25,500 base MSRP for the Gold Wing and $26,500 for the Automatic DCT, each with a $775.00 destination charge printed alongside the price.
30. BMW Motorrad USA, R 1300 GS. The $20,395 base model MSRP. The page publishes no destination, freight or setup charge, which is why this page marks that figure as not published.
31. Progressive, how much motorcycle insurance costs. The twelve-month liability-only averages of $164.23 for the low-cost band containing Iowa, $196.08 for the medium band containing Kansas and Florida, and $243.73 for the high band containing Missouri and Nebraska.
32. Harley-Davidson, riding jackets and helmets. The $150 full-face helmet, $285 modular helmet, $215 mesh riding jacket and $625 best-selling leather jacket prices from the company’s own store, which produce the $365 to $910 range on this page.
33. Steve Kaufman’s Acoustic Kamp, fees and costs. The $1,200 on-campus and $1,120 off-campus student rates, the $650 companion rate, the $450 private room upgrade and the $32 linen package, and the camp’s own statement that the fee covers all classes, concerts, workshops, meals and six nights of dorm housing with taxes included.
34. Road Scholar, National Recorder and Early Music Workshop. The $1,499 shared-room, $1,919 private-room and $2,998 two-traveler prices for the seven-day Carmel Valley program, and the listing showing six nights and sixteen meals included.
35. Planet Bluegrass, Telluride Bluegrass Festival ticketing information. The $420 four-day festival pass and the $600 Town Park camping pass, and the festival’s own statement that the camping pass includes the four-day festival pass rather than being sold on top of it.
36. C.F. Martin and Company, D-18 acoustic guitar. The $2,999.99 price for the D-18 and the statement that each guitar includes a hardshell case.
37. Yamaha, P-225 88-key portable digital piano. The $769.99 price and the list showing the keyboard, music rest, sustain foot switch and power adapter are included while the furniture stand and three-pedal unit are extra.
38. Old Town School of Folk Music, private lessons. The $360 price for eight weeks of thirty-minute private lessons and $656 for eight weeks of hour-long lessons, published openly on the school’s own class page.
39. ArtistWorks, subscription pricing. The $19.99 a month or $191.88 a year standard plan price for online music instruction.
40. Marc Adams School of Woodworking, billing policies. The tuition structure showing a five-day class at $1,050, the $45 annual non-refundable registration fee that is separate from the class fee, and the statement that lunch every day is included.
41. Marc Adams School of Woodworking, on-campus lodging. The $575 room rate sold only in seven-night Friday-to-Friday blocks, plus Indiana’s seven percent sales tax and five percent innkeeper tax.
42. Center for Furniture Craftsmanship, workshop registration. The $1,150 one-week and $2,075 two-week tuition, the $95 non-refundable registration fee, and the $395 per week private room in a shared house, which together produce the $2,960 two-week total on this page.
43. John C. Campbell Folk School, tuition, housing and meals. The $730 weeklong 2026 tuition against $950 for 2027, the $495 dormitory to $965 private-bath housing rates that include all meals, and the $285 meals-only rate for students staying off campus.
44. Woodcraft, SawStop compact table saw and shop tools. The $899.00 SawStop compact table saw price, along with the $1,599.99 regular price of the Rikon 14-inch bandsaw, the $289.00 Bosch router combo kit and the $989.99 regular price of the Jet dust collector sold by the same retailer.
45. The Home Depot, DeWalt DWE7491RS job site table saw. The $649.00 regular price for the DeWalt 10-inch job site table saw with rolling stand, used here rather than the promotional price so the figure does not go stale.
46. Highland Woodworking, Narex premium bench chisel set. The $161.00 regular price for the six-piece Narex bench chisel set in a wooden box.
47. Rockler, Sjobergs Elite Workbench 1500. The $2,520.00 price for the Sjobergs Elite workbench, the single item this page contrasts against a $200 guild membership.
48. Kansas City Woodworkers’ Guild, membership. The $100 senior rate for members 65 and older, the $125 regular rate, the $200 shop-privileges tier the guild marks as most popular, and the requirement to complete safety steps and earn a green name badge before using the shop.
49. MakeICT, Wichita, membership. The organization’s own statement that membership is $25 a month for unlimited access to the building.
50. Synchrony, 2025 Pet Lifetime of Care Study. The fifteen-year cost ranges of $22,125 to $60,602 for a dog and $20,073 to $47,106 for a cat, the finding that dog owners estimate about $8,000 and cat owners under $6,000, and the finding that 74% of owners have faced an unexpected cost over $250 while only 31% could comfortably manage a major expense.
51. CareCredit, top expenses for dog owners. The statement, reporting the Synchrony study, that the yearly cost of care for a dog rose from $1,591 in 2022 to $2,770 in 2025, and the $95 national average for a routine wellness visit with a $75 to $171 range.
52. CareCredit, emergency vet visit cost. The $135 dog and $143 cat national average emergency exam fees, the $619 and $582 per-night hospitalization costs, the $2,331 bladder stone surgery and the $1,528 oxygen therapy visit for a large dog.
53. North American Pet Health Insurance Association, 2025 State of the Industry Report. The year-end 2024 average accident and illness premiums of $749.29 a year for dogs and $386.47 a year for cats, compiled and validated by Willis Towers Watson.
54. Kansas State Veterinary Health Center, emergency services. The $180 after-hours emergency fee and the hospital’s stated policy that a deposit of approximately sixty percent of the estimate is required before treatment is initiated.
55. Garden Research, a division of the National Gardening Association, 2026 National Gardening Survey. The record $740 per-household annual lawn and garden spend, up 18.3% over the prior year, against total category spending of $79.0 billion.
56. Troy-Bilt, walk-behind tillers. The manufacturer’s own prices of $1,039.00 for the Bronco 14-inch, $1,379.00 for the Mustang 18-inch and $3,899.00 for the Big Red 20-inch rear-tine tiller.
57. Gardener’s Supply Company, cedar raised beds and season extenders. The $219.99 price for a four-foot by four-foot cedar raised bed and the $229.00 price for a year-round cold frame.
58. University of Missouri Extension, Master Gardener core training. The $200.00 course fee and the program’s requirement that trainees provide thirty hours of volunteer service back to their community.
59. Amazon, Kindle Unlimited subscription. The $11.99 a month renewal price, which is the $143.88 a year figure on this page.
60. Audible, membership plans and pricing. The $8.99 a month Standard plan and the $14.95 a month Premium plan, along with the $149.50 a year twelve-credit annual option.
61. CATAN Shop, CATAN base game sixth edition. The $49.99 price for the CATAN base game from the official CATAN store.
62. Ravensburger US, 1,000-piece adult jigsaw puzzles. The $24.99 shelf price shared across several 1,000-piece adult puzzles, and the $89.99 price of the Puzzle Store and Go board sold alongside them.
63. Mid-Continent Public Library, out-of-district cards. The library’s stated $70.00 annual fee for a card issued to a Missouri or Kansas resident living outside its service area, against no stated fee for residents inside the district.
64. Kansas City Public Library, library cards. The library’s stated policy that it does not charge late fines on overdue items and imposes no fine-related restrictions on computers or digital materials.

The income figures are from KJ Financial’s own carrier quote records, verified last August 2026, and are illustrative and hypothetical.

All figures on this page are illustrative and hypothetical and were read at each company’s own website in August 2026. Prices change constantly, and tour, class and equipment prices change without notice. Check the linked source before you book or buy anything. This article is for general education, not personalized investment, tax, or legal advice. Kurt H. Jackson is Life and Health Insurance Licensed in MO, NE, KS, IA, and FL, and is not a securities broker, registered investment advisor, or CPA. Guaranteed income strategies involve real costs and require careful planning based on your individual circumstances.