Forget about the private planes and the $5,000 bottles of wine. These are the yearly basics, for a family of four, that people of means now want­—expect—to have. No wonder they don’t rest until they’ve got $10M in the bank. Check out the full story on San Francisco wealth: The seven-year rich.

Mortgage on a $4.5M home in Pacific Heights or Orinda: $189,000
Property taxes and utilities: $63,450
Mortgage on a $1.5M Vacation home in Lake Tahoe: $91,875
Property taxes and utilities: $20,000
One major home project (landscaping, room renovation, new deck): $100,000
New furniture and housewares: $30,000
One full-time nanny: $65,000
Housecleaner, twice a week: $8,000
Part-time personal assistant: $50,000
Home repairs and upkeep: $20,000
Private-school tuition for two kids: $50,000
Additional donations to schools: $40,000
Weekly tutoring for kids: $6,750
Summer camp: $10,000
Activities/lessons for kids: $14,000
Birthday parties for kids: $3,000
Clothing for her: $40,000
For him: $15,000
For kids: $12,000
Jewelry: $15,000
Groceries: $12,000
Takeout: $4,500
Restaurants: $20,000
Wine: $16,500
Fitness (club memberships, plus private sessions): $22,000
Private golf or country club: $12,000
Haircut and color every six weeks (for a woman): $4,000
Monthly massage and facial (for a woman): $5,760
Medical expenses/uninsured specialists: $17,800
Four dinner parties for eight: $4,000
Spouse’s birthday party: $10,000
Two international trips, plus six weekend trips: $75,000
New car: $75,000
Upgrades for computers and other electronics: $18,000
Warriors season tickets: $22,360
S.F. Opera season tickets: $5,700
Charitable contributions: $23,000
Gifts and tips: $10,000
Accounting and tax fees: $4,000
Car insurance (three cars): $7,500
Gas: $10,000
Car maintenance: $4,700
$2M life-insurance policy: $8,430
Financial adviser services: $13,200
Attorney fees: $5,000

ANNUAL TOTAL: $1,253,525

Sources: local wealth managers, concierge and staffing services, insurance companies, home decor and retail professionals, realtors, spas, and more. Annual total does not include income taxes.