Grog and all, thanks for addressing the spend, I appreciate the feedback and thoughts. Indeed, we like our lives but also there is some diminishing returns on spending and we could cut without sacrificing much/any life quality.
Maybe starting with the end in mind - we budget 100k/y spend in retirement, but must say we havent even figured out which country to live in… so it could be less. The 3 years of travel is to do that while we can, it is a long time dream to slow travel around the world, we are talking backpacks and simple accommodation, not luxury cruises. Certainly we do not want nor do we need a 4K rent in retirement, right now this is pure convenience to work, very HCOL around here, even for Switzerland. And if you retire in Portugal or somewhere else, the spending could be MUCH lower (although the tax implications could cancel any savings, I have come to appreciate the lack of capital gain tax on stocks in CH 
)
We are a family of 3, 1 kid at college-age (so health insurance for 3 adults, and yes, that is the price in our Canton, shocking, we have max deductible even and used Comparis to find the cheapest).
What I will do over the weekend is to go through ACTUAL spend for last 12 months to get the real picture. Honestly, these numbers are my best estimates (except rent, health insurance).
And Grog on charity… (now I am inviting for punches I know)…you are right on the observation. We do not give anything for charity. Growing up in a high tax socialist country our engrained culture is probably “Government takes care of that, that is why we pay such crazy high taxes”