Living scenario, monthly bills, choices and Census statistics - Monthly individual bills in Naples: Add the following equating to a Median Income for a high school graduate. Rent $960 Utilities $150 Food/Personal items $200 Transportation (choose & add car with insurance $400 or Collier Cat Bus Transit $1.50 per ride \$100/month) What are your minimum monthly costs ? Multiply by 12 - what is your annual living cost? Which is greater - median high school income or annual cost of living? Uh oh...TAXES. Multiply 22 (22% is about average ) by the median Census HS graduate income and subtract this from the total. This is a "Net Income " - so now what are the cost vs income ? What is the most available extra money one can save (called disposable Income ) per month? Want to move out on your own- forget 1 month last month and deposit at time of rental. Need furniture? Clothes? new tires for car? Mechanical problems ? Oil change/ new tires ? Doctor visit? Extra Credit . Above monthly cost and 9 ^ (th) - 12 ^ (th) Grade education /no diploma . What are the numbers ??