Nice work, I’m going to play with it a bit. One thing I would recommend to everyone is adding a multiple to your expenses. Essentially, < expenses > * < margin

Nice work, I’m going to play with it a bit. One thing I would recommend to everyone is adding a multiple to your expenses. Essentially, < expenses > * < margin of error > I manage my personal expenses down to the dollar and have managed seven figure budgets. One thing that always occurs is unexpected expenses. My go-to rule is assuming my expenses are going to be 25% higher than expected, per year I go out. I personally track my error between expected and actual to develop a hard number for my margin of error. However, between 25% and 50% larger than expected expenses is a good estimate to give you breathing room. This method ensures you can be hospitalized for a week or so and it’ll kind of “be in the plan” so to speak.