vault backup: 2024-08-08 15:47:33

Quick Notes/Financial planning notes.md

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+What we really need a month:  
+$4060 / month  
+Giving: $807  
+Monthly bills: $1800  
+Monthly expense: $1150  
+Short-term savings: $250  
+Christmas: $60   If wanted to be generous: $4500   **Total extras per month**  
+Long term disability supplemental: $51.09 / month  
+Increased term life for Ben: $55 / month  
+Term life for Grace: $24 / month   Total: $110   **Questions**  
+- Long term disability: what is the indexed income benefit (COLA)?  
+- What are the long term disability dividends?  
+- Why does our retirement totals equal about $1.9m but still show a $1.3m shortage when need is shown as just $2m?