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?