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URL: http://boards.fool.com/hi-am-yes-the-budget-has-an-assumption-about-25191561.aspx
Subject: Re: Are Americans saving too much for retirement	Date: 2/19/2007 12:33 PM
Author: rainphakir	Number: 2406 of 49574
Hi AM yes. the budget has an 'assumption' about maintenance items... that I wont need ALL of them at the same exact time :-) and if push comes to shove - I will 'get a job' for that 'need'. I don't use the spread sheet to beat up on myself or anyone else :-) I use it as a BASE for my own NEEDS, and a way to separate out my WANTS :-) It keeps me grounded As for factoring in 'everything' ... that is NOT possible When the 'model' gets too complex, it begins to not fit any one person well. This is the reason I trust MY spreadsheet for MY needs, more than I trust the 'calculators'. The calculators try to meet ALL needs. I strongly suggest to everyone that each one build his/her own spreadsheet to meet his/her own specific circumstances. :-) ralph
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