for mawhinney,Thanks for asking. Please look at my message http://boards.fool.com/Message.asp?id=1380025000356025&sort=postdateand then ask whatever further questions you have. My spreadsheet for personal financial planning has been my hobby since 1991. It helped me stay calm in adjusting to retirement in 1993 at age 53. It's helped me figure out safe spending plans in the years since then as the market has boomed. The math required in this planning is arithmetic you mastered young. I'll help and encourage you if you want to do some experimentation with spreadsheets.Chips, who (truth be told) has a couple of degrees in math
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