If horses were anywhere NEAR that expensive I wouldn't own any. I'd say maybe 5,000 if there's no vet bills for the year - and that's for two horses! Given that nothing of emergency pops up it's just board, shots, teeth, and feet that get paid for regularly. Maybe a new piece of tack, but that's not really NECESSARY and if I can't afford it I don't have to buy it. I don't buy any fancy feed, both horses just get hay. I can't even fathom how it could get up to 45 THOUSAND dollars... And then hear "Is that enough?"