Suppose you live in a one million house in Boston with 6k SS each month.

Annually to begin with you need to pay: 

8k income taxes(federal and state), 7k property taxes. total of 15k

health insurance about 7k.

out-of-pocket medical expenses 2k

property and car insurance 2.5k

utility and internet 2.5k

car expenses/depreciation (fuel, repair, purchasing cost averaged to each year of ownership) 5k

property depreciation (regular maintenance for wear and tear, replacement of equipments such as appliances, heating, structure, excluding furniture) : 4k (this assumes that you are at least above average handy)

total: 38k

This is a bare-bone cost before you can put any food into your mouth..