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{"sheet":"Annual dep to Retire. Savings","index":0,"n_rows":78,"n_cols":13,"rows_kept":78}
["Retirement Savings Estimater",null,null,"editable","do not edit",null,"Estimation done on:",null,"2008-09-25"]
[]
["Current Income",null,null,"Monthly","Annual",null,"Husband DOB",{"$nulls":3},"Income / Expense in today's Dollars"]
["Wages - Husband",{"$nulls":3},{"$f":"D4*12","v":0},null,"Wife DOB",{"$nulls":3},"(annual numbers)"]
["Wages - Wife",{"$nulls":3},{"$f":"D5*12","v":0}]
["Interest",{"$nulls":3},0,null,"investment return",{"$nulls":3},"Income",null,{"$f":"E11","v":0}]
["Dividends",{"$nulls":3},0,null,"inv return in retirement",{"$nulls":3},"Expense",null,{"$f":"E76","v":0}]
["Business Revenues",{"$nulls":3},0,null,"inflation"]
["Gains",{"$nulls":3},0,{"$nulls":5},"Net income (loss)",null,{"$f":"M6-M7","v":0}]
["Other (do not include gifts)",{"$nulls":3},0,null,"% of today's ",{"$nulls":5},"^ Potential net effect on savings ^"]
[null,"Total Income",null,{"$f":"SUM(D4:D10)","v":0},{"$f":"D11*12","v":0},null,"expenses in retirement"]
[{"$nulls":10},"Retirement expenses in today's dollars"]
["Current Expenses",{"$nulls":5},"Age at Retirement",{"$nulls":3},{"$f":"I11","v":{"v":0,"d":"0%"}},"of total expenses",{"$f":"M7*I11","v":0}]
["Auto",{"$nulls":5},"FM"]
[null,"Fuel",null,null,0,null,"LW",{"$nulls":3},"Retirement Income in today's dollars"]
[null,"Insurance",null,null,0,{"$nulls":5},"Social Sec. - Husband",null,{"$f":"L16*12","v":0}]
[null,"Service",null,null,0,null,"Age at Death",{"$nulls":3},"Social Sec. - Wife",null,{"$f":"L17*12","v":0}]
[null,"Other",null,null,0,null,"FM",{"$nulls":3},"Other"]
["Cash",{"$nulls":3},0,null,"LW",{"$nulls":3},"Other"]
["Charity",{"$nulls":3},0,{"$nulls":6},"Total Ret. Income",{"$f":"SUM(M16:M19)","v":0}]
["Child Care",{"$nulls":3},0,null,"Age today"]
["Clothing",{"$nulls":3},0,null,"FM",null,{"$f":"YEAR(TODAY()-I3)-1900","v":108},null,"Retirement income shortfall",null,{"$f":"M13-M20","v":0}]
["Computer",{"$nulls":3},0,null,"LW",null,{"$f":"YEAR(TODAY()-I4)-1900","v":108}]
["Dining",{"$nulls":3},0,{"$nulls":5},"Standard Calculation"]
["Entertainment",{"$nulls":3},0,null,"Years to Retire"]
["Gifts Given",{"$nulls":3},0,null,"FM",null,{"$f":"I14-I22","v":-108},null,"Asset Value Goal at Retirement",null,{"$f":"PV(I7-I8,IF(I27<I26,I27,I26),,FV(I7-I8,IF(I31>I30,I31,I30),M22))","v":0}]
["Groceries",{"$nulls":3},0,null,"LW",null,{"$f":"I15-I23","v":-108}]
["Health",{"$nulls":3},0,{"$nulls":5},"Total Savings today",null,{"$f":"I56","v":0}]
["Home Repair",{"$nulls":3},0,null,"Years in Retirement"]
["Household",{"$nulls":3},0,null,"FM",null,{"$f":"I18-I14","v":0},null,"Proj. Value of Savings at retirement",null,{"$f":"-FV(I6-I8,IF(I27<I26,I27,I26),,M28)","v":0}]
["Insurance",{"$nulls":5},"LW",null,{"$f":"I19-I15","v":0}]
[null,"Disability",null,null,0,{"$nulls":5},"Asset Value Shortfall at Retirement",null,{"$f":"M26-M30","v":0}]
[null,"Health",null,null,0,null,"Years to Death"]
[null,"Home",null,null,{"$f":"D34*12","v":0},null,"FM",null,{"$f":"I18-I22","v":-108},null,"Required Annual Retirement Savings",null,{"$f":"-PMT(I6-I8,IF(I27<I26,I27,I26),,M32)","v":0}]
["Interest Expense",{"$nulls":5},"LW",null,{"$f":"I19-I23","v":-108}]
[null,"Mortgage",null,null,{"$f":"D36*12","v":0}]
[null,"Student Loans",null,null,0,{"$nulls":5},"Conclusions:"]
[null,"Other",null,null,0,null,"Savings & Retirement Accounts"]
["Medical",{"$nulls":5},"Bank A Checking",{"$nulls":3},"-Your estimated annual retirement expenses:",null,{"$f":"M13","v":0}]
[null,"Doctor",null,null,0,null,"Bank A Savings"]
[null,"Medicine",null,null,0,null,"Bank B Checking",{"$nulls":3},"-The estimated annual savings needed now to"]
["Misc",{"$nulls":3},0,null,"Bank B Savings",{"$nulls":3},"create the necessary savings for retirement:",null,{"$f":"M34","v":0}]
["Personal Care",{"$nulls":3},0]
["Recreation",{"$nulls":3},0,null,"Bank C savings",{"$nulls":3},"-The amount of current annual income"]
["Sched C Bank Charge",{"$nulls":3},{"$f":"D45*12","v":0},null,"Broker A",{"$nulls":3},"after cost of living available for savings:",null,{"$f":"M9","v":0}]
["Sched C Business Expenses",{"$nulls":3},0,null,"Broker B"]
["Sched C Dues & Subscription",{"$nulls":3},0,null,"Rollover IRA",{"$nulls":3},"-Extra income available after first saving "]
["Sched C Licenses & Permits",{"$nulls":3},0,null,"Roth IRA",{"$nulls":3},"for your retirement",null,{"$f":"M45-M42","v":0}]
["Sched C Meals & Entertainment",{"$nulls":3},0,null,"SEP IRA"]
["Sched C Office Expenses",{"$nulls":3},0,null,"403(b)",{"$nulls":3},"Note: a positive number indicates you have extra money "]
["Sched C Postage & Delivery",{"$nulls":3},0,null,"Traditional IRA",{"$nulls":3},"available to spend today AFTER first saving enough money"]
["Sched C Printing & Reproduction",{"$nulls":3},0,null,"Pension",{"$nulls":3},"for your retirement.  A negative number means you need "]
["Sched C Trade Associations",{"$nulls":3},0,null,"Flex spending",{"$nulls":3},"to save more today to fully fund your retirement; so, you"]
["Subscriptions",{"$nulls":3},0,null,"Other",{"$nulls":3},"can 1) cut some of your costs now and put that savings "]
["Tax",{"$nulls":9},"toward your retirement, 2) you will need to find additional"]
[null,"Federal",{"v":0.135,"d":"13.5%"},{"$f":"C56*D11","v":0},0,null,"Total Savings",null,{"$f":"SUM(I39:I54)","v":0},null,"sources of income for additional savings, or 3) choose to  "]
[null,"State",{"v":0.05,"d":"5.0%"},{"$f":"C57*D11","v":0},0,{"$nulls":5},"have less savings available to you in your retirement."]
[null,"Local",{"v":0,"d":"0.0%"},{"$f":"C58*D11","v":0},0]
[null,"Medicare",{"v":0.0145,"d":"1.45%"},null,0]
[null,"Social Security",{"v":0.062,"d":"6.20%"},null,0]
[null,"Real Estate",null,null,0]
[null,"Other",null,null,0]
["Utilities"]
[null,"Cell Phone",null,null,0]
[null,"Local",null,null,0]
[null,"Long Distance",null,null,0]
[null,"Gas",null,null,0]
[null,"Electric",null,null,{"$f":"D68*12","v":0}]
[null,"Water",null,null,0]
[null,"Sewer",null,null,0]
[null,"Internet",null,null,0]
["Vacation"]
[null,"Lodging",null,null,0]
[null,"Travel",null,null,0]
[null,"Other",null,null,0]
[null,"Total Expenses",null,{"$f":"SUM(D15:D75)","v":0},{"$f":"SUM(E15:E75)","v":0}]
[]
[null,"Net Income (loss)",null,{"$f":"D11-D76","v":0},{"$f":"E11-E76","v":0}]

{"sheet":"Savings Goal Template","index":1,"n_rows":36,"n_cols":8,"rows_kept":36}
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[null,"Current savings for Goal",{"$nulls":3},"College Savings"]
[null,"Investment rate of return",null,null,{"v":0.075,"d":"8%"}]
[null,"tax rate",null,null,{"v":0.15,"d":"15%"}]
[null,"First year college costs",null,null,{"v":25000,"d":"25,000"},"=",{"$f":"E5/(1+E6)^A30","v":{"v":13003.892259669477,"d":"13,004"}},"today's dollars"]
[null,"General Inflation",null,null,{"v":0.035,"d":"3.50%"}]
[null,"Inflation rate on college costs",null,null,{"v":0.08,"d":"8.00%"}]
[null,"periodic deposit",null,null,{"v":2549.75,"d":"2,550"},"=",{"$f":"E8/12","v":{"v":212.47916666666666,"d":"212"}},"monthly"]
[]
[null,"Beginning",{"$nulls":5},"Ending"]
["year","balance","deposit","return","subtotal","taxes","withdraw","Balance"]
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