Otis, you´ll find a great deal of info on this topic presented over the months in Latitude 38, and of course it´s free and published on the Left Coast and so much of the reader feedback on cruising costs is relevant to your initial cruising grounds.
OTOH there´s no real answer to your question beyond noting that you are planning to cruise a relatively large boat and that alone will push up your cruising costs, especially longer term, greatly. For an excellent discussion on boat selection as it relates to cruising costs - and on the whole topic of financial issues related to cruising - see the relevant chapters in Beth Leonard´s _Voyager´s Handbook_.
You don´t tell us if the approx. $2K is an annual or montly estimate; I can only presume it´s a monthly figure. If you leave home port with a well equipped, well stocked, properly maintained boat, my guess is that you´ll find your $2K/month budget workable for a while...and then find it slowly increases due to maintenance, repairs
& additions due to dissatisfaction with some gear
, and ultimately changing your cruising venue (since Central America
is about as cheap
as it gets).