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{"sheet":"Planner","index":0,"n_rows":76,"n_cols":23,"rows_kept":76,"cut":false,"hidden":false,"merged":[]}
[null,"29 YEAR FINACIAL PLANNER MODEL ",null,null,null,null,null,"designed by Robert G. Borelli 5/1/2020  This model is designed to be just an estimate. ",null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,"Federal & State Taxes are not calculated in the model. They should be included in your Expenses"]
[null,"Protect/Unprotect  PW= 2020",null,null,"Notes Row 69"]
[null,{"$f":"NOW()","v":"2022-07-15T10:03:42.420"}," Report Date",null," ",null,null,"You can only change values that are unprotected. These are "]
[null,"Assume $ 50,000 aready in MM Account to cover adnormal expenses.",null,null,null,null,null,"                                                    Highlighted in  Brown"]
[null,"Taking SS","Not Taking  SS",null,null,"SS. Amt for Cola ",null,"Black Indicates program Calculated entry not allowed"]
[null,"Calculate SS at the age you want to take it.",null,null,null,"as a % of Total Inc"]
[null,"Take From Financial portfolio or Savings",null,null,null,{"$f":"IF(B18>1,B18/B23,0)","v":0}]
[null,"that provides total amount you can invest"]
[null,"Here"]
[null,null,null,null,"Reset ALL Values",null,null,null,null,null,null,null,null,null,null," "," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null," "," "]
[null," "]
[null,null,null,"Annual Work Income Before SS",null,null,null,null,"Must Enter Retirement age in Box at Left Defaults to ",null,null,null,null,65]
[null,null,null,"Annual Pension Actual or Estimated",null,null,null,null,null,"Calculates monthly  to anuual  for SS Box"]
[null,null,null,"Annual Social Security Actual or projected",null,null,null,{"$f":"N16","v":65},null,null,null,"Enter Montly SS"]
[null,null,null,"Other Income           Name",null,null,null,null,null,{"$f":"J18*12","v":0},null,"Annual SS Caclulated"]
[null,null,null,"Other Income           Name"]
[null,{"$f":"B16+B19+B20","v":0},"TT Income Less investment init. return",null,null,null,null,null,null,null,null,null," "," "]
[null,{"$f":"B13*F26","v":0},"CDs etc. or investments Initial return."]
[null,{"$f":"B21+B22","v":0},"TT Start Income",null,null,"Must Initial",null,null,null,null,null,"Clear",null,null,"Clear"]
[null,null,null,"Current Expenses",null,"Investment Rate",null,"Currently",null," "," "," Income"," ",null,"Expenses",null,null,null,null,null,null,null," "]
[null,{"$f":"B23-B24","v":0},"Start Left Over",null,null,null,null,{"$f":"IF(D32>$H$18,B6,C6)","v":"Not Taking  SS"}]
[null,null," ","Enter","In %",null,null,null,null,null,null,null," "," "]
[null,null,"Annual","Start Age",null," "," ",null,null,null,null,null," "," "]
["`",null,"Return"," ",null,null,"        Below Will Appear when Applicable",null,null,null,null,"To Decrease",null,null,"To Decrease"]
[null,"Investment","InvestRate",null,"Inflation","S.S. Cola","No Money"," "," ",null,"Work","Add","Social","Auto Work","Add"]
[null,"Portfolio","Chg Yearly",null,"Manualy","Manualy"," "," "," ",null,"Pension","Minus Sign ","Security","Income","Minus Sign "]
[null,{"$f":"B13","v":0},{"$f":"F26","v":0},{"$f":"$D$30+1","v":1},"Chg Yearly","  Chg Yearly",null,"TT Income","TT Expense","Left Over","Kicks In","Income","Age Tested","Deletes","Expense",null," "," "]
[null,{"$f":"IF(B31<0,$G$29,B31)","v":0},{"$f":"C31","v":0},{"$f":"$D$31+1","v":2},0.02,1.6E-2,{"$f":"IF(J32<0,$G$29,0)","v":0},{"$f":"$B$23+K32+L32+(IF(D32>$H$18,+M32+N32,0))","v":0},{"$f":"B24","v":0},{"$f":"H32-I32","v":0},{"$f":"IF(D32>$H$18,($B$17),0)","v":0},0,{"$f":"B18","v":0},{"$f":"IF(D32>$H$18,-$B$16,0)","v":0},0," "," "]
[null,{"$f":"IF(B32<0,$G$29,B32)","v":0},{"$f":"C32","v":0},{"$f":"D32+1","v":3},0.02,1.6E-2,{"$f":"IF(J33<0,$G$29,0)","v":0},{"$f":"($B$23-$B$22+B33*C33)+K33+L33+(IF(D33>$H$18,+M33+N33,0))","v":0},{"$f":"(I32*E32)+I32+O33","v":0},{"$f":"H33-I33","v":0},{"$f":"IF(D33>$H$18,($B$17),0)","v":0},0,{"$f":"M32*F33+M32","v":0},{"$f":"IF(D33>$H$18,-$B$16,0)","v":0},0,null," "]
[null,0,{"$f":"C33","v":0},{"$f":"D33+1","v":4},0.02,1.6E-2,{"$f":"IF(J34<0,$G$29,0)","v":0},{"$f":"($B$23-$B$22+B34*C34)+K34+L34+(IF(D34>$H$18,+M34+N34,0))","v":0},{"$f":"(I33*E33)+I33+O34","v":0},0,0,0,{"$f":"M33*F34+M33","v":0},0,0]
[null,0,0,5,0.02,1.6E-2,0,0,{"$f":"(I34*E34)+I34+O35","v":0},0,0,0,{"$f":"M34*F35+M34","v":0},0,0,null," "]
[null,0,0,6,0.02,1.6E-2,0,0,0,0,0,0,0,0,0,null," "]
[null,0,0,7,0.02,1.6E-2,0,0,0,0,0,0,0,0,0,null," "]
[null,0,0,8,0.02,1.6E-2,0,0,0,0,0,0,0,0,0,null," "]
[null,0,0,9,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,10,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,11,0.02,1.6E-2,0,0,0,0,0,0,0,0,0,null," "]
[null,0,0,12,0.02,1.6E-2,0,0,0,0,0,0,0,0,0,null," "]
[null,0,0,13,0.02,1.6E-2,0,0,0,0,0,0,0,0,0,null," "]
[null,0,0,14,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,15,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,{"$f":"D45+1","v":16},0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,17,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,18,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,19,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,20,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,21,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,22,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,23,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,24,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,25,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,26,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,27,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,28,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,29,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[null,0,0,30,0.02,1.6E-2,0,0,0,0,0,0,0,0,0]
[]
[]
[null,"DO NOT WRITE BELOW THIS LINE",null,null,null,"DO NOT WRITE BELOW THIS LINE",null,null,null,"DO NOT WRITE BELOW THIS LINE"]
[]
[null,"Rev 6. Corrected Cola increase applied to only  Social Security"]
[null,"Rev 7. Corrected Investment Rates To Clear all entries when Reset is hit.",null,null,null,null,null,null,null,null,null,"Don't Change","Don't Change"]
[null,"Rev 8. Completey changed to allow for both Planing Retirement and Actually into Retirement.",null,null,null,null,null,null,null,null,null,0,0]
[null,"Rev 9. Complete Change to make it More user Friendly"]
[null,"Rev 10. Added separate macros to clear Added income and Added or Subtracted Expenses ",null,null,null,null,null,null,null,null,null,"Don't Change","Don't Change"]
[null,null,null,null,null,null,null,null,null,null,null,0.02,1.6E-2]
[]
[null,"DO NOT WRITE ABOVE THIS LINE",null,null,null,"DO NOT WRITE ABOVE THIS LINE",null,null,null,"DO NOT WRITE ABOVE THIS LINE"]
[]
[null,"END"]
[]
[null,null,null,null,null,null,null,null,null,"`"]

{"sheet":"Instructions","index":1,"n_rows":180,"n_cols":7,"rows_kept":180,"cut":false,"hidden":false,"merged":[]}
[]
["FINANCIAL PLANNER INSTRUCTIONS"]
[]
["30 YEAR FINANCIAL PLANNER MODEL  For: Joe Calculisly. His 8 Step Plan."]
[]
[]
[]
["WE START WITH “CAN I RETIRE “PLANNER."]
[]
["Step 1.","What Goes Here?"]
[]
[]
["This where we start the total value of the investments that the person or family has. combination of all. "]
["It could be CDs, Stocks, Bonds, Annuities, etc. Anything that pays an annual estimated"]
["or predictable income From your Investments. It Should be a combination of all. "]
[" See Sample calculator",null,"Note: There is an actual calculator to use at the end of these instructions"]
[]
[null,"Our Calculator "]
[null,"INVESTMENT TYPE","INSTITUTION","$$$$ INVESTED"," ANNUAL PAYOUT","NOTES"]
[null,"C.D","Wells Fargo",50000,600]
[null,"Stocks and Bonds","Fidelity",200000,8400]
[null,"Annuity","Vanguard",250000,15000]
[null,"Money Market","Wells Fargo",50000,1000]
[]
[null,null,null," "]
[]
[null,null,null,"TOTAL INVEST","TOTAL INCOME"]
[null,null,null,{"$f":"SUM(D20:D26)","v":550000},{"$f":"SUM(E20:E27)","v":25000}]
[null,null,null,null,"TOTAL INITIAL %"]
[null,null,null," ",{"$f":"E28/D28","v":4.5454545454545456E-2}]
[]
["Step 2.","You must enter your Initial Investment Rate. In our example we came up with 4.55%"]
[]
[]
[]
[]
[]
[]
[]
[]
["Step 3.","Enter the amount of your total investments. We are using the Sample Calculator total."]
[]
[]
[]
[]
[]
[]
[]
["Step 4."]
[]
["If working, your current salary. goes here. In our model it goes away when you take SS."]
["        If still working, this would be your projected pension. Check with your HR Depatment"]
["                          This actual or projected comes directly from the Social Security website"]
[null,null,"           Other continous income amount and name"]
["                                     Income can be adjusted in the add or subtract New  income columns"]
[]
[]
[]
[]
["       Enter current expenses. Expenses can be adjuste in the Add or Subtact New Expenses"]
[null,null,null,"            Begining Monies Left over"]
["Step 5."]
[]
["Our example starts Joe at the age of 55",null,null,null,"Joe plans on retiring at the age of 65"]
[]
[]
[]
[]
[]
[]
[null,null,null,"The above Calculation converts monthly SS to annual SS."]
[null,null,null,"Since the program is based on annual income and expenses "]
[]
["Based on the Inputs Joe Calliletto put in, he  runs out of money at 68 years of age."]
["This is because at his retirement age,  Joe loses his working salary "]
["but his pension and his social security kicks in. However His expenses stay the same"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"INCREASE INCOME OPTIONS",null,null,"DECREASE EXPENSES OPTIONS"]
[1,"Delay Retirement",null,1,"Pay off any Loans. cars etc."]
[]
["Step 6.","We are still in the planning part of the Financial Planner, so Joe has options"]
[null,"Simple Mathematics state Joe has to either Increases Income or Decreases Expenses "]
[null,"INCOME",null,null,"EXPENSES"]
[1,"Let's Start with Joe Delaying Retirement to 67"]
[null,"With That, his SS payments increase to about 14%"]
[null,"So Let's First change his retirement to 67 and increase hiis SS by 14%"]
[null,"Using the Calculator below Joe by taking is SS at 65 is getting 86% of His full Social Security"]
[null,"So if Joe delays his Retirement to 67 using the Calculator Joe get 100 % "]
["Link to SS >>>>","Benefits Planner: Retirement | Retirement Age Calculator | SSA"]
[]
["Step 7."]
[]
[">>>>>>>>>",null,null,null,null,"   <<<<<<<<<<"]
[]
[]
[]
[null,"So How did Joe Do? Well he gained 4 years. Now he runs out of money at 71 years of age."]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null," "]
[]
[]
[]
["Step 8."]
[null," Joe gained 4 years. but he still runs out of money at 71 years of age. but we have not touch expenses"]
[null,"Okay so Joe stops working at 67. Stopping work in itself brings some savings ."]
[null,"Things like Communting Gasoline, Car maintenance, Maybe Clothes, etc. Let's put a reasonal annual savings of $1.500"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Well that's all it took to get Joe back in the black. "]
[null,"There were other ways to get Joe from running out of money. This was just 1 example."]
[]
[]
["Our Example used  \"CAN I RETIRE” PLANNER. AFTER IT CAN BE USED AS AN ANNUAL FINANCIAL TRACKER"]
["AFTER IT CAN BE USED AS AN ANNUAL FINANCIAL TRACKER"]
[]
[]
[]
[null,"You can use the Calcualtor below to average your investments"]
[null,"To Clear Spreadsheet","Ctr + c","<<<<<<<"]
[]
[]
[]
[null,null,"Investment Calculator"]
[null,null,"INVESTMENT","INSTITUTION","$$$$ INVESTED"," ANNUAL PAYOUT","NOTES"]
[null,null,null,null,0,0," "]
[null,null,null,null,0,0," "]
[null,null,null,null,0,0," "]
[null,null,null,null,0,0," "]
[null,null,null,null,0,0," "]
[null,null,null,null,0,0," "]
[null,null,null,null,0,0," "]
[null,null,null,null,"TOTAL INVEST","TOTAL INCOME"," "]
[null,null,null,null,{"$f":"SUM(E167:E173)","v":0},{"$f":"SUM(F167:F174)","v":0}," "]
[null,null,null,null,null,"TOTAL INITIAL %"," "]
[null,null,null,null," ",{"$f":"F175/E175","v":{"$error":"#DIV/0!"}}," "]
[]
[]
[null,"Thank you !"]

{"sheet":"IRS Taxes","index":2,"n_rows":35,"n_cols":15,"rows_kept":35,"cut":false,"hidden":false,"merged":[[3,1,3,8],[14,1,14,8]]}
[null,"TAX RATES FOR 2020",null,"CHECK IRS EVERY YEAR ",null,"PW 2020",null,null,null,null,null,null,null,"From "]
[null,null,null,null,null,null,null,null,null," ",null,null,"Enter","TaxTables"]
[null,"IRS Tax Schedule Married Filing Jointly 2020",null,null,null,null,null,null,null,null,null,null,"Taxable Inc","Tax Rate %","Taxes Owed"]
[null,"       From            To                     $$$$$           Rate          From                     To                           $$$$$               Rate ",null,null,null,null,null,null,null,null,null,"Current"," ",null,"Calculated"]
[null,0,11900,0,0,0,12400,0,0,null,null,"Age"]
[1,11900,31650,0,0.1,12400,22275,0,0.1,null,null,{"$f":"Planner!D30","v":0},0,0,{"$f":"M6*N6","v":0}]
[2,31650,92150,1975,0.12,22275,52525,987.5,0.12,null,null,{"$f":"L6+1","v":1},0,0,{"$f":"M7*N7","v":0}]
[3,92150,182950,9235,0.22,52525,97925,4617.5,0.22,null,null,{"$f":"L7+1","v":2},0,0,0]
[4,182950,338500,29211,0.24,97925,175700,14605.5,0.24,null,null,3,0,0,0]
[5,338500,426600,66543,0.32,175700,219750,33271.5,0.32,null,null,4,0,0,0]
[6,426600,633950,94735,0.35,219750,323425,47367.5,0.35,null,null,5,0,0,0]
[7,633950,null,167307.5,0.37,323425,null,83653.75,0.37,null,null,6,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,7,0,0,0]
[null,"IRS Tax Schedule Single or Married Filing Separately 2020",null,null,null,null,null,null,null,null,null,8,0,0,0]
[null,"       From            To                     $$$$$           Rate          From                     To                           $$$$$               Rate ",null,null,null,null,null,null,null,null,null,9,0,0,0]
[8,0,3800,0,0,0,6200,0,0,null,null,10,0,0,0]
[9,3800,13675,0,0.1,6200,11138,0,0.1,null,null,11,0,0,0]
[10,13675,43925,987.5,0.12,11138,26263,493.75,0.12,null,null,12,0,0,0]
[11,43925,89325,4617.5,0.22,26263,48963,2308.75,0.22,null,null,13,0,0,0]
[12,89325,167100,14605.5,0.24,48963,87850,7302.75,0.24,null,null,14,0,0,0]
[13,167100,211150,33271.5,0.32,87850,109875,16635.75,0.32,null,null,15,0,0,0]
[14,211150,522200,47367.5,0.35,109875,265400,23683.75,0.35,null,null,16,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,17,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,18,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,19,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,20,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,21,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,22,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,23,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,24,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,25,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,26,0,0,{"$f":"M32*N32","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,27,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,28,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,29,0,0,{"$f":"M35*N35","v":0}]