Hi AMyes. 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 groundedAs for factoring in 'everything' ... that is NOT possibleWhen 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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