While I agree that recurring costs should be accounted for, I'm trying to get a bit of balance in my approach. To put it in perspective, it's not out of the re

While I agree that recurring costs should be accounted for, I'm trying to get a bit of balance in my approach. To put it in perspective, it's not out of the realm of possibility that I could switch jobs and make $11k extra this year. It's also not out of the realm of possibility that I have an injury that puts me out of work for the next 2 years. (Or, hypothetically, a global pandemic that reduces or increases my hours) I deal with that level of uncertainty by only tracking the broad strokes.