Following some Reddit advice, a few costs were added:
"That doesn't include the time Joey got the entire apartment's furniture and electronics stolen when he got tricked, and chandler had to replace everything. Including a TV, a stereo system, a CD collection, 2 Lazy boy chairs, a full size couch, a few different seating chairs, and an early laptop which was pretty expensive at the time as the technology was new. If you wanted to take a guess at the worth of all that i'd say (Scaled back for 1997) the TV may have been $500, the stereo system $200, the CD collection value at $200, each full leather Lazy boy brand chair is at least $800 even at that time, the couch, chairs, whatever other furniture maybe $1000 in all (the whole place was cleaned out), and the laptop was probably over $2000, they were extremely expensive when they first came out. So there's an extra $5,500. So $96,260 if you want to include that."
And later some more, before finally arriving at this figure:
"That also doesn't count the time that Joey's health insurance lapsed because he didn't work enough that year, and Chandler payed out of pocket for him to have a hernia surgery. A quick Google search estimates between $6000 and $10000 for that surgery. So lets say $8000 in today's money, scaled back to 1997 again, we'd have around $5,500. If you add that on top of the original and on top of the first edit, you have $101,760 total."