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ObsidianJournal/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?