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