No. of Recommendations: 3
But what are my monthly expenses? The $5K I spent last month? Or the $15K I spent during the same month a year ago when my A/C finally died and I had to get a new one?

You got to make your best pro-rated estimates or WAG. Here's some of my assumptions:
- Two new cars every 10 years
- New AC, furnace, appliances, etc, every 10 years
- Max out of pocket medical spending for one person every year
- Health insurance increases by 13% every year until age 66, then I assume SS will cover us
- No ACA subsidies
- All other costs go up with general inflation

If I can get all that into 4% then I'm good. I'm good.
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