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[null,"2021-04-03",null,"Added (auto) Notes Sheet to this (Loan-Amortized) spreadsheet"]

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[]
[null,"To Do"]
[]
[null,"protect compounded payments from begin entered in as greater than total annual payments"]
[null,"common scenarios: extra payment each year, vs regular extra, etc.  (are their more?)"]
[]
[null,"break-even on points or interest rate changes"]
[null,"break-even on points or interest rate changes"]
[null,"refinancing"]
[null,"extra points on or off?"]
[]
[]
[null,"for super large, unrealistic loan lengths, the payment periods calculation is breaking, low by one"]

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{"sheet":"Amort Chart","index":3,"n_rows":181,"n_cols":61,"rows_kept":181,"cut":false,"hidden":false,"merged":[]}
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[null,null,null,null,null,null,null,null,"compounding per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":4.5333332382142544E-3},null,"CalcPeriodicEquivalentInterestRate",null,null,null,null,null,null,null,null,null,null,null,"compounding per period",null,12,null,null,null,{"$f":"IF(OR(AG$10=\"\", AE$15=\"\", AE$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(AG$10, AE$16, AE$15))","v":2.2641036193817854E-3},null,"CalcPeriodicEquivalentInterestRate"]
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{"sheet":"AMEX-Loan","index":4,"n_rows":73,"n_cols":38,"rows_kept":73,"cut":false,"hidden":false,"merged":[]}
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[null,null,26,null,0,null,0,null,2500,null,192.83531323798888,null,null,null,0,null,null,null,null,null,null,null,26,null,91.371169869487844,null,14.752731497699651,null,2014.5294555288076,null,744.69198001806774,null,null,null,985.47054447119217]
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["x",null,32,null,0,null,0,null,2500,null,192.83531323798888,null,null,null,0,null,null,null,null,null,null,null,32,null,99.143869359513729,null,6.9800320076737679,null,2589.6524823259833,null,806.31236142401667,null,null,null,410.3475176740161]
[null,null,33,null,0,null,0,null,2500,null,192.83531323798888,null,null,null,0,null,null,null,null,null,null,null,33,null,100.50214037077322,null,5.6217609964142792,null,2690.1546226967566,null,811.93412242043098,null,null,null,309.84537730324291]
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[null,null,36,null,0,null,0,null,2500,null,192.83531323798888,null,null,null,0,null,null,null,null,null,null,null,36,null,104.68962650990244,null,1.4342748572850605,null,2999.9980311673444,null,820.46241805140596,null,null,null,1.9688326553790603E-3]

{"sheet":"Alyssa - Should I","index":5,"n_rows":95,"n_cols":67,"rows_kept":95,"cut":false,"hidden":false,"merged":[]}
[]
[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,null,null,null,null,null,"Officer Basic Pay Rates, 2023",null,null,"What will my Income and Real monthly Cash Flow look like?",null,null,null,"Military Pay Calculator for 2023",null,null,null,"▪","as of 2020, $3080.16 (not quite enough but better than nothing!)",null,null,null,null,null,null,null,null,null,null,null,null,"O-2, > 2yrs",null,"Officer Basic Pay Rates, 2023"]
[null,null,"Firstie Loan / Career Starter Loan",null,null,null,null,null,null,null,null,null,"Calculated",null,"Other/Alt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,43644,null,null,null,null,null,null,null,null,null,null,"▪","2017 National Defense Authorization Act included a provision to overhaul the BAH",null,null,null,null,null,null,null,null,null,null,null,null,null,null,57276]
[null,null,null,"Should I take the Loan?",null,null,null,null,null,null,"Loan Parameters",null,"Adjustments",null,"Calculations",null,null,null,null,null,null,"What if I Reinvested the Loan?",null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Form Calculator",null,null,null,"Earnings & Income",null,null,null,null,null,null,null,"system to only cover actual rent expenses, rather than a flat amount, similar to the",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Form Calculator"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.11,null,"Tax deferred retirement:",null,null,null,null,null,null,null,null,null,null,null,"way that Overseas Housing Allowance currently works.",null,null,null,null,null,null,null,null,null,null,null,null,0.11,null,"Tax deferred retirement:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Return from Reinvestment",null,7.0000000000000007E-2,null,null,null,null,null,{"$f":"AJ3*AH5","v":4800.84},null,null,null,null,null,null,"Monthly After-Tax based on Previous Calculations",null,{"$f":"AJ19/12","v":2679.0924999999997},null,null,"These changes could occur as early as 2018.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BK3*BI5","v":6300.36},null,"Monthly Gross based on O-2, > 2 years",null,{"$f":"BK19/12","v":3466.9050000000002}]
[null,null,null,null,null,null,"Principal",null,null,null,36000,null,{"$f":"IF(OR(K$7=\"\", K$7<K$8), \"\", K$7-K$8)","v":36000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Inflation",null,0.02,null,null,null,null,"percentage of Net Earnings:",{"$f":"AJ6/AJ18","v":0.12992818664165989},null,null,null,null,null,null,"Bi-Monthly Pay (15th & EOM)",null,{"$f":"AS6/2","v":1339.5462499999999},null,"▪","If there is an excess of base housing, a housing allowance may not be approved,",null,null,null,null,null,null,null,null,null,null,null,null,null,"percentage of Net Earnings:",{"$f":"BK6/BK18","v":0.13152268260881},null,"Bi-Monthly Pay (15th & EOM)",null,{"$f":"BO6/2","v":1733.4525000000001}]
[null,null,null,null,null,null,"Down Payment",null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"approximate Tax Rate",null,{"$f":"AJ15","v":0.15337847126752818},null,null,null,null,null,"Total Federal Tax Due:",null,null,null,null,null,null,null,null,null,null,null,"especially for new and young officers.  Something to keep in mind.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Federal Tax Due:"]
[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,null,null,null,null,null,3355.28,null,null,null,null,null,null,"BAS (basic allowance for sustenance)",null,311.68,null,"▪","Since BAH offsets an actual, non discretionary expense, whether or not the overhaul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,4991.12,null,"BAS (basic allowance for sustenance)",null,{"$f":"AS9","v":311.68}]
[null,null,null,null,null,null,"Nominal Rate Per Period (R)",null,"APR",null,0.75,null,{"$f":"K$10/100","v":7.4999999999999997E-3},null,{"$f":"CalcEffectiveInterestRatePerPeriod(M$10,K$16)","v":7.5258347205817699E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,null,null,null,null,null,"BAH (basic allowance for housing), Cape May, NJ (08204)",null,1707,null,null,"occurs/occurred, we'll just leave this as zero and keep it out of the calculations",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,{"$f":"AQ10","v":"BAH (basic allowance for housing), Cape May, NJ (08204)"},null,{"$f":"AS10","v":1707}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Raw Return from Reinvestment",null,{"$f":"FV(AD6/12,M12,0,-M7)","v":51034.50934610363},null,null,null,null,null,2705.93,null,null,null,null,null,null,"OHA Utilities",null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3551.11,null,"OHA Utilities",null,0]
[null,null,null,null,null,null,"Number of Payments",null,"years",null,5,null,{"$f":"IF(K$12=\"\",\"\",K$12*K$15)","v":60},null,{"$f":"IF(OR(M$7=\"\", M$10=\"\"), \"\", CalcNumberOfPeriods(M$7,M$21, M$10,K$15))","v":59.999996185302734},null,null,null,null,null,null,null,null,null,null,null,null,"Gross Profit from Reinvestment",null,{"$f":"AD11-M7","v":15034.50934610363},null,null,null,null,null,"Total Medicare Tax Due:",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,"Total Medicare Tax Due:"]
[null,null,null,null,null,null,null,null,"months",null,60,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Estimated Tax Liability against Profits",null,{"$f":"AD12*AD8","v":2305.9700597627398},null,null,null,null,null,632.84,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,830.55]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Nominal) Net Profit from Reinvestment",null,{"$f":"AD12-AD13","v":12728.539286340891},null,null,null,null,null,null,null,null,null,null,null,null,"Net Bi-Monthly Pay",null,{"$f":"SUM(AS6, AS9:AS11)/2","v":2348.8862499999996}]
[null,null,null,null,null,null,null,null,"payments per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$16=\"\"), \"\", CalcPeriodicInterestRate(M$10, K$16))","v":6.2499998603016138E-4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"tax liability",null,"no tax liability",null,null,"Effective Tax Rate:",{"$f":"AJ17/AJ3","v":0.15337847126752818},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,"Effective Tax Rate:",{"$f":"BK17/BK3","v":0.16364236329352608}]
[null,null,null,null,null,null,null,null,"compounding per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":6.2499998603016138E-4},null,null,null,null,null,null,null,null,null,null,null,null,"(Nominal) Net Profit from Reinvestment against Loan",null,{"$f":"AD14-M27","v":12038.073188558123},null,{"$f":"AD12-M27","v":14344.043248320864}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Inflation Adjusted) Real Profit from Reinvestment",null,{"$f":"FV(-AD7,K12,0,-AD16)","v":10881.464708538173},null,null,null,null,"Total Tax Liability:",{"$f":"SUM(AJ13,AJ11,AJ9)","v":6694.05},null,null,null,"Recommended Savings & Fiscal Responsibilities",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Tax Liability:",{"$f":"SUM(BK13,BK11,BK9)","v":9372.7799999999988}]
[null,null,null,null,null,null,"Periodic Interest Rate",null,"P",null,{"$f":"M$18","v":6.2499998603016138E-4},null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":6.2499998603016138E-4},null,{"$f":"IF(OR(M$10=\"\", M$12=\"\", K$12=\"\"), \"\", IF(K$12=0,\"\",M$10/(M$12/K$12)))","v":6.2500000000000001E-4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net Earnings:",{"$f":"AJ3-AJ17","v":36949.949999999997},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,"Net Earnings:",{"$f":"BK3-BK17","v":47903.22}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Take Home Pay:",{"$f":"AJ18-AJ6","v":32149.109999999997},null,null,null,"♦","Long-Term non-Discretionary Retirement/Wealth Savings Targets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Take Home Pay:",{"$f":"BK18-BK6","v":41602.86},null,"Net Bi-Monthly Pay",null,{"$f":"SUM(BO6, BO9:BO11)/2","v":2742.7925}]
[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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"per pay period"]
[null,null,null,null,null,null,null,null,null,null,"Regular Payment Amount",null,{"$f":"IF(OR(M$7=\"\",M$12=\"\"),\"\",CalcLoanPayment(M$7,M$10,M$12,K$15,K$16))","v":611.50775146484375},null,{"$f":"IF(OR(M$7=\"\",M$10=\"\",M$12=\"\"),\"\", IF(M$10=0,(M$7/M$12),((M$10/K$15)*M$7)/(1-((1+ (M$10/K$15))^(-M$12)))))","v":611.50776936495993},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual Investment Savings",null,100,null,null,{"$f":"AS21*2*12","v":2400},null,"per Year",null,null,null,null,null,null,"currently USAA/Schwab Brokerage Account"]
[null,null,null,null,null,null,null,null,null,null,"Extra Regular Payment Amount",null,null,null,{"$f":"IF(OR(K$13=\"\", O$24=\"\"),\"\",TEXT((K$13-O$24)/12, \"#0.0\") & \" yrs saved\")","v":"0.0 yrs saved"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual Investment/Future Wealth Savings",null,50,null,null,{"$f":"AS22*2*12","v":1200},null,"per Year",null,null,null,null,null,null,"whole life banking/insurance policy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"What if I used it to buy a car?"]
[null,null,null,null,null,null,null,null,null,null,"Total Regular Payment Amount, (adjusted number of payments)",null,{"$f":"IF(M$21=\"\",\"\", SUM(M$21:M$22))","v":611.50775146484375},null,{"$f":"IF(OR(M$7=\"\",M$10=\"\",M$24=\"\",K$15=\"\"),\"\", CalcNumberOfPeriods(M$7, M$24, M$10, K$15))","v":59.999996185302734}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Regular Auto Loan Rates",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS21:AS22)","v":150},null,"♦","Total Long-Term non-Discretionary Retirement/Wealth Savings per Pay Period"]
[null,null,null,null,null,null,null,null,null,null,"Total Repaid",null,36690.466097782759,null,{"$f":"IF(M$21=\"\",\"\", M$21*M$12)","v":36690.465087890625},null,null,null,null,null,null,null,null,null,null,null,null,"Navy Federal",null,0.05,null,"37-60 month term",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AS25/AS14","v":6.3860052822907035E-2},null,null,"Percent of Net Pay"]
[null,null,null,null,null,null,null,null,null,null,"Total Interest Paid",null,690.46609778276706,null,{"$f":"IF(O$26=\"\",\"\", O$26-M$7)","v":690.465087890625},null,{"$f":"M$27/K$12","v":138.09321955655341},"per year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AJ7+AS26","v":0.19378823946456691},null,null,"Total Long-Term non-Discretionary Retirement/Wealth Savings Percentage of Net Earnings"]
[null,null,null,null,null,null,null,null,null,null,"Interest as % of Principal",null,{"$f":"IF(M$26=\"\",\"\", M$27/M$7)","v":1.9179613827299085E-2},null,{"$f":"IF(O$26=\"\",\"\", O$27/M$7)","v":1.9179585774739584E-2},null,{"$f":"Q$27/12","v":11.507768296379451},"per month",null,null,null,null,null,null,null,null,null,"Amount Financed",null,36000,null,"Based on $46k build price, 2020 Toyota Tacoma Pro",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.25,null,"How Much Of Your Income Should You Save?"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,null,"Term, Length of Loan in Months"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AD$26=\"\",AD$28=\"\"),\"\",CalcLoanPayment(AD$28,AD$26,AD$29,12,12))","v":679.36444091796875},null,"Calculated Monthly Payment"]
[null,null,null,null,null,null,null,null,"Principal",null,"Interest",null,"Irregular Payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(AD30*AD29)-AD28","v":4761.866455078125},null,"Total Interest Paid",null,null,null,null,null,null,null,"♦","Additional Discretionary Flex-Savings"]
[null,null,null,null,"Principal",null,"Interest",null,"Paid",null,"Paid",null,"in excess of",null,"Principal",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,"Flex-Savings, General",null,100,null,null,{"$f":"AS32*2*12","v":2400},null,"per Year",null,null,null,null,null,null,"currently Discover"]
[null,null,"Period",null,"(this payment)",null,"(this payment)",null,"(cumulative)",null,"(cumulative)",null,"Principal",null,"Balance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Short-term Loans & Liabilities",null,null,null,null,{"$f":"AS33*2*12","v":0},null,"per Year"]
[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,"Monthly Cash Flow Savings over Regular Auto Loan",null,{"$f":"AD30-M21","v":67.856689453125},null,{"$f":"AD34/2","v":33.9283447265625},null,"Savings per Pay Period"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M7","v":36000},null,null,null,null,null,null,null,null,null,null,null,null,"Interest Savings over Regular Auto Loan",null,{"$f":"AD31-M27","v":4071.4003572953579}]
[null,null,1,null,589.00781300291419,null,22.49999949708581,null,589.00781300291419,null,22.49999949708581,null,null,null,35410.992186997086]
[null,null,2,null,589.37594287781269,null,22.131869622187331,null,1178.3837558807268,null,44.631869119273141,null,null,null,34821.616244119272,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,{"$f":"SUM(AS32:AS33)","v":100},null,"♦","Total Additional Discretionary Flex-Savings"]
[null,null,3,null,589.74430283387778,null,21.763509666122186,null,1768.1280587146045,null,66.395378785395323,null,null,null,34231.871941285397]
[null,null,4,null,590.11289301491036,null,21.394919485089648,null,2358.240951729515,null,87.790298270484968,null,null,null,33641.759048270484]
[null,null,5,null,590.48171356480088,null,21.026098935199109,null,2948.7226652943159,null,108.81639720568407,null,null,null,33051.277334705679,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"♦","Short-Term, Non-Discretionary Cost of Living Expenses"]
[null,null,6,null,590.85076462753,null,20.657047872470038,null,3539.5734299218457,null,129.4734450781541,null,null,null,32460.426570078151,null,null,null,null,null,null,"What if I did BOTH, Took the Loan to Reinvest and Took out a Regular Auto Loan to buy a car?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Long-term Savings / Initial Seed for 1st 3-Month Emergency Fund",null,100,null,null,{"$f":"(AS14*2)*3","v":14093.317499999997},null,"per Year",null,{"$f":"AV41*BB41","v":14093.317499999997},"every",1," years",null,"currently AMEX"]
[null,null,7,null,591.22004634716802,null,20.287766152831924,null,4130.7934762690138,null,149.76121123098602,null,null,null,31869.206523730983,null,null,null,null,null,null,null,null,null,null,null,null,"tax liability",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Automobile Maintenance Fund",null,100,null,null,6000,null,"Savings Goal"]
[null,null,8,null,591.58955886787578,null,19.918253632124191,null,4722.3830351368897,null,169.67946486311021,null,null,null,31277.616964863108,null,null,null,null,null,null,null,null,null,null,null,null,"Reduction of Net Profit by Remaining Car Loan Interest",null,{"$f":"AD16-AD35","v":7966.6728312627647},null,{"$f":"FV(-$AD$7,$K$12,0,-AD43)","v":7201.2412534799487},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,null,null,null,null,null,null,null,5,null,"Time frame in years (best time is during full warranty of new automobile)"]
[null,null,9,null,591.95930233390379,null,19.548510166096182,null,5314.3423374707936,null,189.22797502920639,null,null,null,30685.657662529204,null,null,null,null,null,null,null,null,null,null,null,null,"no tax liability",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"How Much Is the Average Car Repair Bill?"]
[null,null,10,null,592.32927688959296,null,19.178535610407067,null,5906.6716143603862,null,208.40651063961346,null,null,null,30093.328385639612,null,null,null,null,null,null,null,null,null,null,null,null,"Reduction of Net Profit by Remaining Car Loan Interest",null,{"$f":"AF16-AD35","v":10272.642891025505},null,{"$f":"FV(-$AD$7,$K$12,0,-AD45)","v":9285.6555472976288},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,"Prepaids Fund "]
[null,null,11,null,592.69948267937423,null,18.808329820625815,null,6499.3710970397606,null,227.21484046023926,null,null,null,29500.628902960238,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Auto Insurance",null,{"$f":"IF(AV46=\"\",\"\",AV46*2/24)","v":33.333333333333336},null,null,400,null,"Est. based on 1992 Jeep, 24 Yrs Old"]
[null,null,12,null,593.06991984776892,null,18.437892652231124,null,7092.4410168875293,null,245.65273311247037,null,null,null,28907.558983112467,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,"Auto Registration",null,{"$f":"IF(AV47 =\"\",\"\",AV47/24)","v":3.3333333333333335},null,null,80,null,"Estimate based on experience"]
[null,null,13,null,593.44058853938861,null,18.067223960611358,null,7685.8816054269182,null,263.71995707308173,null,null,null,28314.118394573077,null,null,null,null,null,null,null,null,null,null,null,null,"Required Payments for both Career and Auto Loan",null,{"$f":"AD30+M21","v":1290.8721923828125},null,{"$f":"(AS95*2)-AD48","v":109.76397428385326},null,"Remaining Discretionary Cash/Month",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV48 =\"\",\"\",AV48/24)","v":""}]
[null,null,14,null,593.81148889893552,null,17.69632360106451,null,8279.693094325854,null,281.41628067414626,null,null,null,27720.306905674141,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"differnece",null,null,null,null,null,null,null,null,null,null,"Renter's Insurance",null,{"$f":"IF(AV49 =\"\",\"\",AV49/24)","v":0},null,null,0]
[null,null,15,null,594.18262107120188,null,17.325191428798124,null,8873.8757153970564,null,298.74147210294439,null,null,null,27126.124284602938,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF48/2","v":54.881987141926629},null,"per Pay Period",null,null,null,null,null,null,null,null,"Uniform Fund",null,25,null,null,600,null,"Estimate based on asking a young Army LT"]
[null,null,16,null,594.55398520107076,null,16.953827298929259,null,9468.429700598128,null,315.69529940187363,null,null,null,26531.570299401868,null,null,null,null,null,null,null,null,null,null,null,"O-2, < 2yrs",50292,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gift/Holiday Fund",null,16.666666666666668,null,null,400,null,"These don't always have to provide an exact amount, just help ease the pain!"]
[null,null,17,null,594.92558143351562,null,16.582231066484411,null,10063.355282031644,null,332.27753046835801,null,null,null,25936.644717968353,null,null,null,null,null,null,null,null,null,null,null,"O-2, 2 yrs",57276,null,null,null,{"$f":"((BO19-AS88)*2)-AD48","v":4194.7128076171875}]
[null,null,18,null,595.29740991360052,null,16.210402586399479,null,10658.652691945244,null,348.48793305475749,null,null,null,25341.347308054752,null,null,null,null,null,null,null,null,null,null,null,"O-2, 3 yrs",65964]
[null,null,19,null,595.66947078648036,null,15.838341713519688,null,11254.322162731725,null,364.32627476827719,null,null,null,24745.677837268271,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"House or Rent Payment",null,{"$f":"IF(AV54=\"\",\"\",AV54/2/2)","v":450},null,null,1800,null,"Est. $1800 Avg. Payment Montly, Split per Paycheck, Divided by 2"]
[null,null,20,null,596.04176419740043,null,15.466048302599544,null,11850.363926929125,null,379.79232307087671,null,null,null,24149.636073070869,null,null,null,null,null,null,null,null,null,null,null,null,"What if you skip the loan but invest $611/month?",null,null,null,null,null,null,null,null,null,null,null,null,"House Escrow"]
[null,null,21,null,596.41429029169717,null,15.093522208302774,null,12446.778217220823,null,394.88584527917948,null,null,null,23553.221782779172,null,null,null,null,null,null,null,null,null,null,null,null,"Total account value after 5 yrs (60 mos)",null,{"$f":"FV(AD6/12,M12,-611,0)","v":43743.262906996759},null,{"$f":"FV(-$AD$7,$K$12,0,-AD56)","v":39540.445061524384},null,"(Inflation Adjusted) Real Value",null,null,null,null,null,null,null,null,"HO Insurance",null,{"$f":"IF(AV56=\"\",\"\",AV56/24/2)","v":31.25},null,null,1500,null,"Again, Split per Paycheck, Divided by 2"]
[null,null,22,null,596.78704921479778,null,14.720763285202276,null,13043.56526643562,null,409.60660856438176,null,null,null,22956.434733564372,null,null,null,null,null,null,null,null,null,null,null,null,"Nominal Profit",null,{"$f":"AD56-M7","v":7743.2629069967588},null,{"$f":"FV(-$AD$7,$K$12,0,-AD57)","v":6999.2963767243928},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,null,null,"Taxes",null,{"$f":"IF(AV57 =\"\",\"\",AV57/24/2)","v":114.58333333333333},null,null,5500]
[null,null,23,null,597.16004111221991,null,14.347771387780044,null,13640.72530754784,null,423.95437995216179,null,null,null,22359.274692452153,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,{"$f":"IF(AV58 =\"\",\"\",AV58/24/2)","v":""}]
[null,null,24,null,597.53326612957289,null,13.974546370427136,null,14238.258573677413,null,437.92892632258895,null,null,null,21761.74142632258,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PMI",null,0,null,null,0]
[null,null,25,null,597.9067244125564,null,13.601088087443596,null,14836.165298089969,null,451.53001441003255,null,null,null,21163.834701910022,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Flood Ins.",null,0,null,null,0]
[null,null,26,null,598.28041610696164,null,13.227396393038408,null,15434.445714196931,null,464.75741080307097,null,null,null,20565.55428580306,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Windstorm Ins.",null,0,null,null,0]
[null,null,27,null,598.65434135867054,null,12.853471141329438,null,16033.100055555602,null,477.61088194440043,null,null,null,19966.899944444391]
[null,null,28,null,599.02850031365665,null,12.479312186343375,null,16632.128555869258,null,490.09019413074378,null,null,null,19367.871444130735]
[null,null,29,null,599.40289311798438,null,12.104919382015671,null,17231.531448987243,null,502.19511351275946,null,null,null,18768.468551012749]
[null,null,30,null,599.77751991780951,null,11.730292582190492,null,17831.308968905054,null,513.92540609494995,null,null,null,18168.691031094939,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS41:AS42,AS46:AS51,AS54,AS56:AS61)","v":874.16666666666674},null,"♦","Total Short-Term, Non-Discretionary Cost of Living Expenses per Pay Period"]
[null,null,31,null,600.15238085937938,null,11.355431640620655,null,18431.461349764435,null,525.28083773557057,null,null,null,17568.538650235558]
[null,null,32,null,600.52747608903246,null,10.980336410967574,null,19031.988825853467,null,536.26117414653811,null,null,null,16968.011174146526]
[null,null,33,null,600.90280575319878,null,10.605006746801202,null,19632.891631606664,null,546.86618089333933,null,null,null,16367.108368393327,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"♦","Estimated Semi-Mandatory & Discretionary Living Expenses",null,null,null,null,null,null,0.05,null,"Estimated Error Rate"]
[null,null,34,null,601.27836999840008,null,10.229442501599966,null,20234.170001605064,null,557.09562339493925,null,null,null,15765.829998394927,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,"Credit Monitoring",null,{"$f":"IF(AV69=\"\",\"\",((AV69)*(1+$AV$68))/2)","v":9.6389999999999993},null,null,18.36,null,"AMEX Credit Secure Credit Monitoring Service"]
[null,null,35,null,601.65416897124931,null,9.8536435287507285,null,20835.824170576314,null,566.94926692368995,null,null,null,15164.175829423679,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Music Streaming",null,{"$f":"IF(AV70=\"\",\"\",((AV70)*(1+$AV$68))/2)","v":5.5125000000000002},null,null,10.5,null,"Spotify Premium"]
[null,null,36,null,602.03020281845124,null,9.4776096815487101,null,21437.854373394766,null,576.4268766052387,null,null,null,14562.145626605228,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Groceries/Food",null,{"$f":"IF(AV71=\"\",\"\",((AV71)*(1+$AV$68))/2)","v":157.5},null,null,300,null,"Est. Grocery Food budget"]
[null,null,37,null,602.40647168680255,null,9.101340813197444,null,22040.260845081568,null,585.52821741843616,null,null,null,13959.739154918425,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dining Out/Food",null,{"$f":"IF(AV72=\"\",\"\",((AV72)*(1+$AV$68))/2)","v":52.5},null,null,100,null,"Est. Dining Out Food budget"]
[null,null,38,null,602.78297572319127,null,8.7248367768087132,null,22643.04382080476,null,594.25305419524489,null,null,null,13356.956179195233,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Automobile Fuel/Gas",null,{"$f":"IF(AV73=\"\",\"\",((AV73)*(1+$AV$68))/2)","v":65.625},null,null,125,null,"Est. Auto Fuel"]
[null,null,39,null,603.15971507459756,null,8.3480974254024982,null,23246.203535879358,null,602.60115162064733,null,null,null,12753.796464120634,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Utilities(Electricity)/Household",null,{"$f":"IF(AV74=\"\",\"\",((AV74)*(1+$AV$68))/2)","v":131.25},null,null,250,null,"OHA Utilities Adjustments"]
[null,null,40,null,603.53668988809306,null,7.9711226119069183,null,23849.740225767451,null,610.57227423255426,null,null,null,12150.259774232542,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Internet-TV-Phone/Household",null,{"$f":"IF(AV75=\"\",\"\",((AV75)*(1+$AV$68))/2)","v":78.75},null,null,150]
[null,null,41,null,603.91390031084188,null,7.5939121891581705,null,24453.654126078294,null,618.16618642171238,null,null,null,11546.3458739217,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mobile Phone",null,{"$f":"IF(AV76=\"\",\"\",((AV76)*(1+$AV$68))/2)","v":23.625},null,null,45,null,"Portion of Family plan"]
[null,null,42,null,604.2913464900995,null,7.2164660099004738,null,25057.945472568394,null,625.38265243161288,null,null,null,10942.054527431601,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV77=\"\",\"\",((AV77)*(1+$AV$68))/2)","v":""}]
[null,null,43,null,604.66902857321395,null,6.8387839267860144,null,25662.614501141608,null,632.22143635839893,null,null,null,10337.385498858386,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV78=\"\",\"\",((AV78)*(1+$AV$68))/2)","v":""}]
[null,null,44,null,605.04694670762512,null,6.460865792374884,null,26267.661447849234,null,638.68230215077381,null,null,null,9732.3385521507607,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV79=\"\",\"\",((AV79)*(1+$AV$68))/2)","v":""}]
[null,null,45,null,605.425101040865,null,6.0827114591350266,null,26873.0865488901,null,644.76501360990881,null,null,null,9126.9134511098964,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV80=\"\",\"\",((AV80)*(1+$AV$68))/2)","v":""}]
[null,null,46,null,605.80349172055787,null,5.7043207794421775,null,27478.890040610659,null,650.46933438935093,null,null,null,8521.1099593893377,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV81=\"\",\"\",((AV81)*(1+$AV$68))/2)","v":""}]
[null,null,47,null,606.18211889442023,null,5.3256936055798052,null,28085.072159505078,null,655.79502799493071,null,null,null,7914.9278404949173,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car Payment",null,{"$f":"IF(AV82=\"\",\"\",((AV82)*(1+$AV$68))/2)","v":0},null,null,0]
[null,null,48,null,606.56098271026099,null,4.9468297897390583,null,28691.633142215338,null,660.74185778466972,null,null,null,7308.3668577846565]
[null,null,49,null,606.94008331598127,null,4.5677291840187051,null,29298.57322553132,null,665.30958696868845,null,null,null,6701.4267744686749]
[null,null,50,null,607.31942085957496,null,4.1883916404250714,null,29905.892646390894,null,669.49797860911349,null,null,null,6094.1073536090998]
[null,null,51,null,607.69899548912804,null,3.8088170108719912,null,30513.591641880023,null,673.30679561998545,null,null,null,5486.408358119972,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS69:AS82)","v":524.40149999999994},null,"♦","Estimated Semi-Mandatory & Discretionary Living Expenses per Pay Period"]
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[null,null,54,null,608.83914337579427,null,2.6686691242057412,null,32338.968449207558,null,682.45342579245198,null,null,null,3661.0315507924388]
[null,null,55,null,609.21966783189873,null,2.2881446681012543,null,32948.188117039455,null,684.74157046055325,null,null,null,3051.8118829605401,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,"Total ALL Long-Term & Discretionary Savings per Pay Period",null,{"$f":"SUM(AS25,AS37)","v":250},null,null,{"$f":"AS90/$AS$14","v":0.10643342137151172},null,"Percent of Net Pay (savings)"]
[null,null,56,null,609.60043011578296,null,1.9073823842170181,null,33557.788547155236,null,686.64895284477029,null,null,null,2442.2114528447573,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Short-Term Non-Discretionary Cost of Living Savings per Pay Period",null,{"$f":"SUM(AS65)","v":874.16666666666674},null,null,{"$f":"AS91/$AS$14","v":0.37216219672905271},null,"Percent of Net Pay (prepaid debt)"]
[null,null,57,null,609.98143037608929,null,1.5263821239106734,null,34167.769977531323,null,688.175334968681,null,null,null,1832.230022468668,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total ALL Expenses per Pay Period",null,{"$f":"SUM(AS69:AS77)","v":524.40149999999994},null,null,{"$f":"AS92/$AS$14","v":0.22325538326941122},null,"Percent of Net Pay (debts & expenses)"]
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{"sheet":"Alyssa - Buy or Rent","index":6,"n_rows":397,"n_cols":18,"rows_kept":397,"cut":false,"hidden":false,"merged":[]}
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,"Calculated",null,"Other/Alt"]
[null,null,"Mortgage/Amortized Loan Analysis Worksheet",null,null,null,null,null,null,null,"Loan Parameters",null,"Adjustments",null,"Calculations",null,"Description"]
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[null,null,null,null,null,null,"Down Payment"]
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[null,null,null,null,null,null,"Nominal Rate Per Period (R)",null,"APR",null,5.9290000000000003,null,{"$f":"K$10/100","v":5.9290000000000002E-2},null,{"$f":"CalcEffectiveInterestRatePerPeriod(M$10,K$16)","v":6.0928013175725937E-2},null,"CalcEffectiveInterestRatePerPeriod"]
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[null,null,null,null,null,null,null,null,"months",null,360]
[]
[null,null,null,null,null,null,null,null,"payments per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$16=\"\"), \"\", CalcPeriodicInterestRate(M$10, K$16))","v":4.940833430737257E-3},null,"CalcPeriodicInterestRate"]
[null,null,null,null,null,null,null,null,"compounding per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":4.940833430737257E-3},null,"CalcPeriodicEquivalentInterestRate"]
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[]
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[null,null,null,null,null,null,null,null,null,null,"Extra Regular Payment Amount",null,null,null,{"$f":"IF(OR(K$13=\"\", O$24=\"\"),\"\",TEXT((K$13-O$24)/12, \"#0.0\") & \" yrs saved\")","v":"0.0 yrs saved"}]
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[null,null,null,null,null,null,null,null,null,null,"Total Regular Payment Amount, (adjusted number of payments)",null,{"$f":"IF(M$21=\"\",\"\", SUM(M$21:M$22))","v":1784.9803466796875},null,{"$f":"IF(OR(M$7=\"\",M$10=\"\",M$24=\"\",K$15=\"\"),\"\", CalcNumberOfPeriods(M$7, M$24, M$10, K$15))","v":359.99996948242188}]
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[null,null,null,null,null,null,null,null,null,null,"Interest as % of Principal",null,{"$f":"IF(M$28=\"\",\"\", M$29/M$7)","v":1.1419764051440155},null,{"$f":"IF(O$28=\"\",\"\", O$29/M$7)","v":1.1419764160156249},null,{"$f":"Q$29/12","v":951.64700428667948},"per month"]
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[null,null,"Period",null,"(this payment)",null,"(this payment)",null,"(cumulative)",null,"(cumulative)",null,"Principal",null,"Balance"]
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{"sheet":"Zara - Should I","index":7,"n_rows":95,"n_cols":67,"rows_kept":95,"cut":false,"hidden":false,"merged":[]}
[]
[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,null,null,null,null,null,"Officer Basic Pay Rates, 2023",null,null,"What will my Income and Real monthly Cash Flow look like?",null,null,null,"Military Pay Calculator for 2020",null,null,null,"▪","as of 2020, $3080.16 (not quite enough but better than nothing!)",null,null,null,null,null,null,null,null,null,null,null,null,"O-2, > 2yrs",null,"Officer Basic Pay Rates, 2020"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Calculated",null,"Other/Alt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,43644,null,null,null,null,null,null,null,null,null,null,"▪","2017 National Defense Authorization Act included a provision to overhaul the BAH",null,null,null,null,null,null,null,null,null,null,null,null,null,null,51760.800000000003]
[null,null,"Should I take the Loan?",null,null,null,null,null,null,null,"Loan Parameters",null,"Adjustments",null,"Calculations",null,null,null,null,null,null,"What if I Reinvested the Loan?",null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Form Calculator",null,null,null,"Earnings & Income",null,null,null,null,null,null,null,"system to only cover actual rent expenses, rather than a flat amount, similar to the",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Form Calculator"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.11,null,"Tax deferred retirement:",null,null,null,null,null,null,null,null,null,null,null,"way that Overseas Housing Allowance currently works.",null,null,null,null,null,null,null,null,null,null,null,null,0.11,null,"Tax deferred retirement:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Return from Reinvestment",null,7.0000000000000007E-2,null,null,null,null,null,{"$f":"AJ3*AH5","v":4800.84},null,null,null,null,null,null,"Monthly After-Tax based on Previous Calculations",null,{"$f":"AJ19/12","v":2679.0924999999997},null,null,"These changes could occur as early as 2018.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BK3*BI5","v":5693.6880000000001},null,"Monthly Gross based on O-2, > 2 years",null,{"$f":"BK19/12","v":3188.7384999999999}]
[null,null,null,null,null,null,"Principal",null,null,null,36000,null,{"$f":"IF(OR(K$7=\"\", K$7<K$8), \"\", K$7-K$8)","v":36000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Inflation",null,0.02,null,null,null,null,"percentage of Net Earnings:",{"$f":"AJ6/AJ18","v":0.12992818664165989},null,null,null,null,null,null,"Bi-Monthly Pay (15th & EOM)",null,{"$f":"AS6/2","v":1339.5462499999999},null,"▪","If there is an excess of base housing, a housing allowance may not be approved,",null,null,null,null,null,null,null,null,null,null,null,null,null,"percentage of Net Earnings:",{"$f":"BK6/BK18","v":0.12952401751195158},null,"Bi-Monthly Pay (15th & EOM)",null,{"$f":"BO6/2","v":1594.36925}]
[null,null,null,null,null,null,"Down Payment",null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"approximate Tax Rate",null,{"$f":"AJ15","v":0.15337847126752818},null,null,null,null,null,"Total Federal Tax Due:",null,null,null,null,null,null,null,null,null,null,null,"especially for new and young officers.  Something to keep in mind.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Federal Tax Due:"]
[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,null,null,null,null,null,3355.28,null,null,null,null,null,null,"BAS (basic allowance for sustenance)",null,311.68,null,"▪","Since BAH offsets an actual, non discretionary expense, whether or not the overhaul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,3842.55,null,"BAS (basic allowance for sustenance)",null,256.68]
[null,null,null,null,null,null,"Nominal Rate Per Period (R)",null,"APR",null,0.75,null,{"$f":"K$10/100","v":7.4999999999999997E-3},null,{"$f":"CalcEffectiveInterestRatePerPeriod(M$10,K$16)","v":7.5258347205817699E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,null,null,null,null,null,"BAH (basic allowance for housing)",null,1707,null,null,"occurs/occurred, we'll just leave this as zero and keep it out of the calculations",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,"BAH (basic allowance for housing)",null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Raw Return from Reinvestment",null,{"$f":"FV(AD6/12,M12,0,-M7)","v":51034.50934610363},null,null,null,null,null,2705.93,null,null,null,null,null,null,"OHA Utilities",null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3209.17,null,"OHA Utilities",null,719.25]
[null,null,null,null,null,null,"Number of Payments",null,"years",null,5,null,{"$f":"IF(K$12=\"\",\"\",K$12*K$15)","v":60},null,{"$f":"IF(OR(M$7=\"\", M$10=\"\"), \"\", CalcNumberOfPeriods(M$7,M$21, M$10,K$15))","v":59.999996185302734},null,null,null,null,null,null,null,null,null,null,null,null,"Gross Profit from Reinvestment",null,{"$f":"AD11-M7","v":15034.50934610363},null,null,null,null,null,"Total Medicare Tax Due:",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,"Total Medicare Tax Due:"]
[null,null,null,null,null,null,null,null,"months",null,60,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Estimated Tax Liability against Profits",null,{"$f":"AD12*AD8","v":2305.9700597627398},null,null,null,null,null,632.84,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,750.53]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Nominal) Net Profit from Reinvestment",null,{"$f":"AD12-AD13","v":12728.539286340891},null,null,null,null,null,null,null,null,null,null,null,null,"Net Bi-Monthly Pay",null,{"$f":"SUM(AS6, AS9:AS11)/2","v":2348.8862499999996}]
[null,null,null,null,null,null,null,null,"payments per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$16=\"\"), \"\", CalcPeriodicInterestRate(M$10, K$16))","v":6.2499998603016138E-4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"tax liability",null,"no tax liability",null,null,"Effective Tax Rate:",{"$f":"AJ17/AJ3","v":0.15337847126752818},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,"Effective Tax Rate:",{"$f":"BK17/BK3","v":0.15073665785691101}]
[null,null,null,null,null,null,null,null,"compounding per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":6.2499998603016138E-4},null,null,null,null,null,null,null,null,null,null,null,null,"(Nominal) Net Profit from Reinvestment against Loan",null,{"$f":"AD14-M27","v":12038.073188558123},null,{"$f":"AD12-M27","v":14344.043248320864}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Inflation Adjusted) Real Profit from Reinvestment",null,{"$f":"FV(-AD7,K12,0,-AD16)","v":10881.464708538173},null,null,null,null,"Total Tax Liability:",{"$f":"SUM(AJ13,AJ11,AJ9)","v":6694.05},null,null,null,"Recommended Savings & Fiscal Responsibilities",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Tax Liability:",{"$f":"SUM(BK13,BK11,BK9)","v":7802.25}]
[null,null,null,null,null,null,"Periodic Interest Rate",null,"P",null,{"$f":"M$18","v":6.2499998603016138E-4},null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":6.2499998603016138E-4},null,{"$f":"IF(OR(M$10=\"\", M$12=\"\", K$12=\"\"), \"\", IF(K$12=0,\"\",M$10/(M$12/K$12)))","v":6.2500000000000001E-4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net Earnings:",{"$f":"AJ3-AJ17","v":36949.949999999997},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,"Net Earnings:",{"$f":"BK3-BK17","v":43958.55}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Take Home Pay:",{"$f":"AJ18-AJ6","v":32149.109999999997},null,null,null,"♦","Long-Term non-Discretionary Retirement/Wealth Savings Targets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Take Home Pay:",{"$f":"BK18-BK6","v":38264.862000000001},null,"Net Bi-Monthly Pay",null,{"$f":"SUM(BO6, BO9:BO11)/2","v":2082.3342499999999}]
[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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"per pay period"]
[null,null,null,null,null,null,null,null,null,null,"Regular Payment Amount",null,{"$f":"IF(OR(M$7=\"\",M$12=\"\"),\"\",CalcLoanPayment(M$7,M$10,M$12,K$15,K$16))","v":611.50775146484375},null,{"$f":"IF(OR(M$7=\"\",M$10=\"\",M$12=\"\"),\"\", IF(M$10=0,(M$7/M$12),((M$10/K$15)*M$7)/(1-((1+ (M$10/K$15))^(-M$12)))))","v":611.50776936495993},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual Investment Savings",null,50,null,null,{"$f":"AS21*2*12","v":1200},null,"per Year",null,null,null,null,null,null,"currently USAA/Schwab Brokerage Account"]
[null,null,null,null,null,null,null,null,null,null,"Extra Regular Payment Amount",null,null,null,{"$f":"IF(OR(K$13=\"\", O$24=\"\"),\"\",TEXT((K$13-O$24)/12, \"#0.0\") & \" yrs saved\")","v":"0.0 yrs saved"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual Investment/Future Wealth Savings",null,15,null,null,{"$f":"AS22*2*12","v":360},null,"per Year",null,null,null,null,null,null,"whole life banking/insurance policy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"What if I used it to buy a car?"]
[null,null,null,null,null,null,null,null,null,null,"Total Regular Payment Amount, (adjusted number of payments)",null,{"$f":"IF(M$21=\"\",\"\", SUM(M$21:M$22))","v":611.50775146484375},null,{"$f":"IF(OR(M$7=\"\",M$10=\"\",M$24=\"\",K$15=\"\"),\"\", CalcNumberOfPeriods(M$7, M$24, M$10, K$15))","v":59.999996185302734}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Regular Auto Loan Rates",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS21:AS22)","v":65},null,"♦","Total Long-Term non-Discretionary Retirement/Wealth Savings per Pay Period"]
[null,null,null,null,null,null,null,null,null,null,"Total Repaid",null,36690.466097782759,null,{"$f":"IF(M$21=\"\",\"\", M$21*M$12)","v":36690.465087890625},null,null,null,null,null,null,null,null,null,null,null,null,"Navy Federal",null,2.8899999999999999E-2,null,"37-60 month term",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AS25/AS14","v":2.767268955659305E-2},null,null,"Percent of Net Pay"]
[null,null,null,null,null,null,null,null,null,null,"Total Interest Paid",null,690.46609778276706,null,{"$f":"IF(O$26=\"\",\"\", O$26-M$7)","v":690.465087890625},null,{"$f":"M$27/K$12","v":138.09321955655341},"per year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AJ7+AS26","v":0.15760087619825294},null,null,"Total Long-Term non-Discretionary Retirement/Wealth Savings Percentage of Net Earnings"]
[null,null,null,null,null,null,null,null,null,null,"Interest as % of Principal",null,{"$f":"IF(M$26=\"\",\"\", M$27/M$7)","v":1.9179613827299085E-2},null,{"$f":"IF(O$26=\"\",\"\", O$27/M$7)","v":1.9179585774739584E-2},null,{"$f":"Q$27/12","v":11.507768296379451},"per month",null,null,null,null,null,null,null,null,null,"Amount Financed",null,36000,null,"Based on $46k build price, 2020 Toyota Tacoma Pro",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.25,null,"How Much Of Your Income Should You Save?"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,null,"Term, Length of Loan in Months"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AD$26=\"\",AD$28=\"\"),\"\",CalcLoanPayment(AD$28,AD$26,AD$29,12,12))","v":645.1146240234375},null,"Calculated Monthly Payment"]
[null,null,null,null,null,null,null,null,"Principal",null,"Interest",null,"Irregular Payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(AD30*AD29)-AD28","v":2706.87744140625},null,"Total Interest Paid",null,null,null,null,null,null,null,"♦","Additional Discretionary Flex-Savings"]
[null,null,null,null,"Principal",null,"Interest",null,"Paid",null,"Paid",null,"in excess of",null,"Principal",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,"Flex-Savings, General",null,50,null,null,{"$f":"AS32*2*12","v":1200},null,"per Year",null,null,null,null,null,null,"currently Discover"]
[null,null,"Period",null,"(this payment)",null,"(this payment)",null,"(cumulative)",null,"(cumulative)",null,"Principal",null,"Balance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Short-term Loans & Liabilities",null,null,null,null,{"$f":"AS33*2*12","v":0},null,"per Year"]
[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,"Monthly Cash Flow Savings over Regular Auto Loan",null,{"$f":"AD30-M21","v":33.60687255859375},null,{"$f":"AD34/2","v":16.803436279296875},null,"Savings per Pay Period"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M7","v":36000},null,null,null,null,null,null,null,null,null,null,null,null,"Interest Savings over Regular Auto Loan",null,{"$f":"AD31-M27","v":2016.4113436234829}]
[null,null,1,null,589.00781300291419,null,22.49999949708581,null,589.00781300291419,null,22.49999949708581,null,null,null,35410.992186997086]
[null,null,2,null,589.37594287781269,null,22.131869622187331,null,1178.3837558807268,null,44.631869119273141,null,null,null,34821.616244119272,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,{"$f":"SUM(AS32:AS33)","v":50},null,"♦","Total Additional Discretionary Flex-Savings"]
[null,null,3,null,589.74430283387778,null,21.763509666122186,null,1768.1280587146045,null,66.395378785395323,null,null,null,34231.871941285397]
[null,null,4,null,590.11289301491036,null,21.394919485089648,null,2358.240951729515,null,87.790298270484968,null,null,null,33641.759048270484]
[null,null,5,null,590.48171356480088,null,21.026098935199109,null,2948.7226652943159,null,108.81639720568407,null,null,null,33051.277334705679,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"♦","Short-Term, Non-Discretionary Cost of Living Expenses"]
[null,null,6,null,590.85076462753,null,20.657047872470038,null,3539.5734299218457,null,129.4734450781541,null,null,null,32460.426570078151,null,null,null,null,null,null,"What if I did BOTH, Took the Loan to Reinvest and Took out a Regular Auto Loan to buy a car?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Long-term Savings / Initial Seed for 1st 3-Month Emergency Fund",null,40,null,null,{"$f":"(AS14*2)*3","v":14093.317499999997},null,"per Year",null,{"$f":"AV41*BB41","v":14093.317499999997},"every",1," years",null,"currently AMEX"]
[null,null,7,null,591.22004634716802,null,20.287766152831924,null,4130.7934762690138,null,149.76121123098602,null,null,null,31869.206523730983,null,null,null,null,null,null,null,null,null,null,null,null,"tax liability",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Automobile Maintenance Fund",null,{"$f":"AV42/(AV43*24)","v":50},null,null,6000,null,"Savings Goal"]
[null,null,8,null,591.58955886787578,null,19.918253632124191,null,4722.3830351368897,null,169.67946486311021,null,null,null,31277.616964863108,null,null,null,null,null,null,null,null,null,null,null,null,"Reduction of Net Profit by Remaining Car Loan Interest",null,{"$f":"AD16-AD35","v":10021.661844934639},null,{"$f":"FV(-$AD$7,$K$12,0,-AD43)","v":9058.7885601334747},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,null,null,null,null,null,null,null,5,null,"Time frame in years (best time is during full warranty of new automobile)"]
[null,null,9,null,591.95930233390379,null,19.548510166096182,null,5314.3423374707936,null,189.22797502920639,null,null,null,30685.657662529204,null,null,null,null,null,null,null,null,null,null,null,null,"no tax liability",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"How Much Is the Average Car Repair Bill?"]
[null,null,10,null,592.32927688959296,null,19.178535610407067,null,5906.6716143603862,null,208.40651063961346,null,null,null,30093.328385639612,null,null,null,null,null,null,null,null,null,null,null,null,"Reduction of Net Profit by Remaining Car Loan Interest",null,{"$f":"AF16-AD35","v":12327.63190469738},null,{"$f":"FV(-$AD$7,$K$12,0,-AD45)","v":11143.202853951156},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,"Prepaids Fund "]
[null,null,11,null,592.69948267937423,null,18.808329820625815,null,6499.3710970397606,null,227.21484046023926,null,null,null,29500.628902960238,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Auto Insurance",null,{"$f":"IF(AV46=\"\",\"\",AV46*2/24)","v":48.517500000000005},null,null,582.21,null,"Est. GEICO, AD as O-1, at Pearland Address for 2020 Toyota Highlander"]
[null,null,12,null,593.06991984776892,null,18.437892652231124,null,7092.4410168875293,null,245.65273311247037,null,null,null,28907.558983112467,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,"Auto Registration",null,{"$f":"IF(AV47 =\"\",\"\",AV47/24)","v":3.3333333333333335},null,null,80,null,"Estimate based on experience"]
[null,null,13,null,593.44058853938861,null,18.067223960611358,null,7685.8816054269182,null,263.71995707308173,null,null,null,28314.118394573077,null,null,null,null,null,null,null,null,null,null,null,null,"Required Payments for both Career and Auto Loan",null,{"$f":"AD30+M21","v":1256.6223754882813},null,{"$f":"(AS83*2)-AD48","v":1507.9137911783846},null,"Remaining Discretionary Cash/Month",null,null,null,null,null,null,null,null,"Renter Insurance",null,{"$f":"IF(AV48 =\"\",\"\",AV48/24)","v":4.8991666666666669},null,null,117.58,null,"Apusento Gardens, P303, Guam"]
[null,null,14,null,593.81148889893552,null,17.69632360106451,null,8279.693094325854,null,281.41628067414626,null,null,null,27720.306905674141,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"differnece",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV49 =\"\",\"\",AV49/24)","v":""}]
[null,null,15,null,594.18262107120188,null,17.325191428798124,null,8873.8757153970564,null,298.74147210294439,null,null,null,27126.124284602938,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF48/2","v":753.9568955891923},null,"per Pay Period",null,null,null,null,null,null,null,null,"Uniform Fund",null,"",null,null,null,null,"Estimate based on asking a young Army LT"]
[null,null,16,null,594.55398520107076,null,16.953827298929259,null,9468.429700598128,null,315.69529940187363,null,null,null,26531.570299401868,null,null,null,null,null,null,null,null,null,null,null,"O-2, < 2yrs",45450,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gift/Holiday Fund",null,16.666666666666668,null,null,400,null,"These don't always have to provide an exact amount, just help ease the pain!"]
[null,null,17,null,594.92558143351562,null,16.582231066484411,null,10063.355282031644,null,332.27753046835801,null,null,null,25936.644717968353,null,null,null,null,null,null,null,null,null,null,null,"O-2, 2 yrs",51760.800000000003,null,null,null,{"$f":"((BO19-AS76)*2)-AD48","v":2908.0461245117185}]
[null,null,18,null,595.29740991360052,null,16.210402586399479,null,10658.652691945244,null,348.48793305475749,null,null,null,25341.347308054752,null,null,null,null,null,null,null,null,null,null,null,"O-2, 3 yrs",59612.4]
[null,null,19,null,595.66947078648036,null,15.838341713519688,null,11254.322162731725,null,364.32627476827719,null,null,null,24745.677837268271]
[null,null,20,null,596.04176419740043,null,15.466048302599544,null,11850.363926929125,null,379.79232307087671,null,null,null,24149.636073070869,null,null,null,null,null,null,null,null,null,null,null,null,"What if you skip the loan but invest $611/month?"]
[null,null,21,null,596.41429029169717,null,15.093522208302774,null,12446.778217220823,null,394.88584527917948,null,null,null,23553.221782779172,null,null,null,null,null,null,null,null,null,null,null,null,"Total account value after 5 yrs (60 mos)",null,{"$f":"FV(AD6/12,M12,-611,0)","v":43743.262906996759},null,{"$f":"FV(-$AD$7,$K$12,0,-AD56)","v":39540.445061524384},null,"(Inflation Adjusted) Real Value",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS41:AS42,AS46:AS51)","v":163.41666666666669},null,"♦","Total Short-Term, Non-Discretionary Cost of Living Expenses per Pay Period"]
[null,null,22,null,596.78704921479778,null,14.720763285202276,null,13043.56526643562,null,409.60660856438176,null,null,null,22956.434733564372,null,null,null,null,null,null,null,null,null,null,null,null,"Nominal Profit",null,{"$f":"AD56-M7","v":7743.2629069967588},null,{"$f":"FV(-$AD$7,$K$12,0,-AD57)","v":6999.2963767243928},null,"(Inflation Adjusted) Real Profit"]
[null,null,23,null,597.16004111221991,null,14.347771387780044,null,13640.72530754784,null,423.95437995216179,null,null,null,22359.274692452153]
[null,null,24,null,597.53326612957289,null,13.974546370427136,null,14238.258573677413,null,437.92892632258895,null,null,null,21761.74142632258,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"♦","Estimated Semi-Mandatory & Discretionary Living Expenses",null,null,null,null,null,null,0.05,null,"Estimated Error Rate"]
[null,null,25,null,597.9067244125564,null,13.601088087443596,null,14836.165298089969,null,451.53001441003255,null,null,null,21163.834701910022,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Credit Monitoring",null,{"$f":"IF(AV60=\"\",\"\",((AV60)*(1+$AV$59))/2)","v":9.6389999999999993},null,null,18.36,null,"AMEX Credit Secure Credit Monitoring Service"]
[null,null,26,null,598.28041610696164,null,13.227396393038408,null,15434.445714196931,null,464.75741080307097,null,null,null,20565.55428580306,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Music Streaming",null,{"$f":"IF(AV61=\"\",\"\",((AV61)*(1+$AV$59))/2)","v":5.5125000000000002},null,null,10.5,null,"Spotify Premium"]
[null,null,27,null,598.65434135867054,null,12.853471141329438,null,16033.100055555602,null,477.61088194440043,null,null,null,19966.899944444391,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,"Groceries/Food",null,157.5,null,null,300,null,"Est. Grocery Food budget"]
[null,null,28,null,599.02850031365665,null,12.479312186343375,null,16632.128555869258,null,490.09019413074378,null,null,null,19367.871444130735,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,"Dining Out/Food",null,52.5,null,null,100,null,"Est. Dining Out Food budget"]
[null,null,29,null,599.40289311798438,null,12.104919382015671,null,17231.531448987243,null,502.19511351275946,null,null,null,18768.468551012749,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,"Automobile Fuel/Gas",null,65.625,null,null,125,null,"Est. Auto Fuel"]
[null,null,30,null,599.77751991780951,null,11.730292582190492,null,17831.308968905054,null,513.92540609494995,null,null,null,18168.691031094939,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,"Utilities(Electricity)/Household",null,131.25,null,null,250,null,"OHA Utilities Adjustments"]
[null,null,31,null,600.15238085937938,null,11.355431640620655,null,18431.461349764435,null,525.28083773557057,null,null,null,17568.538650235558,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,"Internet-TV-Phone/Household",null,78.75,null,null,150]
[null,null,32,null,600.52747608903246,null,10.980336410967574,null,19031.988825853467,null,536.26117414653811,null,null,null,16968.011174146526,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,"Mobile Phone",null,"",null,null,null,null,"(bundled with previous)"]
[null,null,33,null,600.90280575319878,null,10.605006746801202,null,19632.891631606664,null,546.86618089333933,null,null,null,16367.108368393327,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,"Car Payment",null,187.42500000000001,null,null,357]
[null,null,34,null,601.27836999840008,null,10.229442501599966,null,20234.170001605064,null,557.09562339493925,null,null,null,15765.829998394927,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,"(temporary) Auto Insurance",null,{"$f":"IF(AV69=\"\",\"\",AV69/2)","v":48.517500000000005},null,null,{"$f":"AV46/6","v":97.035000000000011}]
[null,null,35,null,601.65416897124931,null,9.8536435287507285,null,20835.824170576314,null,566.94926692368995,null,null,null,15164.175829423679,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(temporary) Renter Insurance",null,{"$f":"IF(AV70=\"\",\"\",AV70/2)","v":4.8991666666666669},null,null,{"$f":"AV48/12","v":9.7983333333333338}]
[null,null,36,null,602.03020281845124,null,9.4776096815487101,null,21437.854373394766,null,576.4268766052387,null,null,null,14562.145626605228]
[null,null,37,null,602.40647168680255,null,9.101340813197444,null,22040.260845081568,null,585.52821741843616,null,null,null,13959.739154918425]
[null,null,38,null,602.78297572319127,null,8.7248367768087132,null,22643.04382080476,null,594.25305419524489,null,null,null,13356.956179195233]
[null,null,39,null,603.15971507459756,null,8.3480974254024982,null,23246.203535879358,null,602.60115162064733,null,null,null,12753.796464120634,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS60:AS70)","v":741.61816666666675},null,"♦","Estimated Semi-Mandatory & Discretionary Living Expenses per Pay Period"]
[null,null,40,null,603.53668988809306,null,7.9711226119069183,null,23849.740225767451,null,610.57227423255426,null,null,null,12150.259774232542]
[null,null,41,null,603.91390031084188,null,7.5939121891581705,null,24453.654126078294,null,618.16618642171238,null,null,null,11546.3458739217]
[null,null,42,null,604.2913464900995,null,7.2164660099004738,null,25057.945472568394,null,625.38265243161288,null,null,null,10942.054527431601]
[null,null,43,null,604.66902857321395,null,6.8387839267860144,null,25662.614501141608,null,632.22143635839893,null,null,null,10337.385498858386,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,"Total ALL Long-Term & Discretionary Savings per Pay Period",null,{"$f":"SUM(AS25,AS37)","v":115},null,null,{"$f":"AS78/$AS$14","v":4.8959373830895395E-2},null,"Percent of Net Pay (savings)"]
[null,null,44,null,605.04694670762512,null,6.460865792374884,null,26267.661447849234,null,638.68230215077381,null,null,null,9732.3385521507607,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Short-Term Non-Discretionary Cost of Living Savings per Pay Period",null,{"$f":"SUM(AS56)","v":163.41666666666669},null,null,{"$f":"AS79/$AS$14","v":6.9571979769844847E-2},null,"Percent of Net Pay (prepaid debt)"]
[null,null,45,null,605.425101040865,null,6.0827114591350266,null,26873.0865488901,null,644.76501360990881,null,null,null,9126.9134511098964,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total ALL Expenses per Pay Period",null,{"$f":"SUM(AS60:AS68)","v":688.20150000000001},null,null,{"$f":"AS80/$AS$14","v":0.29299056095202575},null,"Percent of Net Pay (debts & expenses)"]
[null,null,46,null,605.80349172055787,null,5.7043207794421775,null,27478.890040610659,null,650.46933438935093,null,null,null,8521.1099593893377]
[null,null,47,null,606.18211889442023,null,5.3256936055798052,null,28085.072159505078,null,655.79502799493071,null,null,null,7914.9278404949173]
[null,null,48,null,606.56098271026099,null,4.9468297897390583,null,28691.633142215338,null,660.74185778466972,null,null,null,7308.3668577846565,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Discretionary Cash Flow per Pay Period",null,{"$f":"AS14-SUM(AS78:AS80)","v":1382.2680833333329},null,null,{"$f":"AS83*2","v":2764.5361666666658},null,"Per Month"]
[null,null,49,null,606.94008331598127,null,4.5677291840187051,null,29298.57322553132,null,665.30958696868845,null,null,null,6701.4267744686749]
[null,null,50,null,607.31942085957496,null,4.1883916404250714,null,29905.892646390894,null,669.49797860911349,null,null,null,6094.1073536090998]
[null,null,51,null,607.69899548912804,null,3.8088170108719912,null,30513.591641880023,null,673.30679561998545,null,null,null,5486.408358119972]
[null,null,52,null,608.07880735281924,null,3.4290051471807432,null,31121.670449232843,null,676.73580076716621,null,null,null,4878.3295507671528]
[null,null,53,null,608.45885659891997,null,3.048955901079994,null,31730.129305831764,null,679.78475666824625,null,null,null,4269.8706941682331]
[null,null,54,null,608.83914337579427,null,2.6686691242057412,null,32338.968449207558,null,682.45342579245198,null,null,null,3661.0315507924388]
[null,null,55,null,609.21966783189873,null,2.2881446681012543,null,32948.188117039455,null,684.74157046055325,null,null,null,3051.8118829605401]
[null,null,56,null,609.60043011578296,null,1.9073823842170181,null,33557.788547155236,null,686.64895284477029,null,null,null,2442.2114528447573]
[null,null,57,null,609.98143037608929,null,1.5263821239106734,null,34167.769977531323,null,688.175334968681,null,null,null,1832.230022468668]
[null,null,58,null,610.3626687615531,null,1.1451437384469598,null,34778.132646292877,null,689.3204787071279,null,null,null,1221.8673537071149]
[null,null,59,null,610.74414542100237,null,0.76366707899765707,null,35388.876791713883,null,690.08414578612553,null,null,null,611.12320828611257]
[null,null,60,null,611.12320828611257,null,0.38195199664152774,null,35999.999999999993,null,690.46609778276706,null,null,null,0]

{"sheet":"Zara - Enlisted-Guam","index":8,"n_rows":95,"n_cols":67,"rows_kept":95,"cut":false,"hidden":false,"merged":[]}
[]
[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,null,null,null,null,null,"Officer Basic Pay Rates, 2020",null,null,"What will my Income and Real monthly Cash Flow look like?",null,null,null,"Military Pay Calculator for 2020",null,null,null,"▪","as of 2020, $3080.16 (not quite enough but better than nothing!)",null,null,null,null,null,null,null,null,null,null,null,null,"O-2, > 2yrs",null,"Officer Basic Pay Rates, 2020"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Calculated",null,"Other/Alt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32562,null,null,null,null,null,null,null,null,null,null,"▪","2017 National Defense Authorization Act included a provision to overhaul the BAH",null,null,null,null,null,null,null,null,null,null,null,null,null,null,51760.800000000003]
[null,null,"Should I take the Loan?",null,null,null,null,null,null,null,"Loan Parameters",null,"Adjustments",null,"Calculations",null,null,null,null,null,null,"What if I Reinvested the Loan?",null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Form Calculator",null,null,null,"Earnings & Income",null,null,null,null,null,null,null,"system to only cover actual rent expenses, rather than a flat amount, similar to the",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Form Calculator"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.05,null,"Tax deferred retirement:",null,null,null,null,null,null,null,null,null,null,null,"way that Overseas Housing Allowance currently works.",null,null,null,null,null,null,null,null,null,null,null,null,0.11,null,"Tax deferred retirement:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Return from Reinvestment",null,7.0000000000000007E-2,null,null,null,null,null,{"$f":"AJ3*AH5","v":1628.1000000000001},null,null,null,null,null,null,"Monthly After-Tax based on Previous Calculations",null,{"$f":"AJ19/12","v":2186.7049999999999},null,null,"These changes could occur as early as 2018.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BK3*BI5","v":5693.6880000000001},null,"Monthly Gross based on O-2, > 2 years",null,{"$f":"BK19/12","v":3188.7384999999999}]
[null,null,null,null,null,null,"Principal",null,null,null,36000,null,{"$f":"IF(OR(K$7=\"\", K$7<K$8), \"\", K$7-K$8)","v":36000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Inflation",null,0.02,null,null,null,null,"percentage of Net Earnings:",{"$f":"AJ6/AJ18","v":5.8420671896933327E-2},null,null,null,null,null,null,"Bi-Monthly Pay (15th & EOM)",null,{"$f":"AS6/2","v":1093.3525},null,"▪","If there is an excess of base housing, a housing allowance may not be approved,",null,null,null,null,null,null,null,null,null,null,null,null,null,"percentage of Net Earnings:",{"$f":"BK6/BK18","v":0.12952401751195158},null,"Bi-Monthly Pay (15th & EOM)",null,{"$f":"BO6/2","v":1594.36925}]
[null,null,null,null,null,null,"Down Payment",null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"approximate Tax Rate",null,{"$f":"AJ15","v":0.14413856642712367},null,null,null,null,null,"Total Federal Tax Due:",null,null,null,null,null,null,null,null,null,null,null,"especially for new and young officers.  Something to keep in mind.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Federal Tax Due:"]
[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,null,null,null,null,null,2202.48,null,null,null,null,null,null,null,null,null,null,"▪","Since BAH offsets an actual, non discretionary expense, whether or not the overhaul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,3842.55,null,"BAS (basic allowance for sustenance)",null,256.68]
[null,null,null,null,null,null,"Nominal Rate Per Period (R)",null,"APR",null,0.75,null,{"$f":"K$10/100","v":7.4999999999999997E-3},null,{"$f":"CalcEffectiveInterestRatePerPeriod(M$10,K$16)","v":7.5258347205817699E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,null,null,null,null,null,null,null,null,null,null,"occurs/occurred, we'll just leave this as zero and keep it out of the calculations",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,"BAH (basic allowance for housing)",null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Raw Return from Reinvestment",null,{"$f":"FV(AD6/12,M12,0,-M7)","v":51034.50934610363},null,null,null,null,null,2018.88,null,null,null,null,null,null,"BAH (basic allowance for housing)",null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3209.17]
[null,null,null,null,null,null,"Number of Payments",null,"years",null,5,null,{"$f":"IF(K$12=\"\",\"\",K$12*K$15)","v":60},null,{"$f":"IF(OR(M$7=\"\", M$10=\"\"), \"\", CalcNumberOfPeriods(M$7,M$21, M$10,K$15))","v":59.999996185302734},null,null,null,null,null,null,null,null,null,null,null,null,"Gross Profit from Reinvestment",null,{"$f":"AD11-M7","v":15034.50934610363},null,null,null,null,null,"Total Medicare Tax Due:",null,null,null,null,null,null,"BAS (basic allowance for sustenance)",null,386.5,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Medicare Tax Due:"]
[null,null,null,null,null,null,null,null,"months",null,60,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Estimated Tax Liability against Profits",null,{"$f":"AD12*AD8","v":2167.0526240825698},null,null,null,null,null,472.08,null,null,null,null,null,null,"Clothing Allowance SMA",null,{"$f":"22.98*2","v":45.96},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,750.53]
[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,"(Nominal) Net Profit from Reinvestment",null,{"$f":"AD12-AD13","v":12867.456722021061},null,null,null,null,null,null,null,null,null,null,null,null,"OHA Utilities",null,744,null,"?"]
[null,null,null,null,null,null,null,null,"payments per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$16=\"\"), \"\", CalcPeriodicInterestRate(M$10, K$16))","v":6.2499998603016138E-4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"tax liability",null,"no tax liability",null,null,"Effective Tax Rate:",{"$f":"AJ17/AJ3","v":0.14413856642712367},null,null,null,null,null,null,"OCONUS COLA W/O",null,391.5,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Effective Tax Rate:",{"$f":"BK17/BK3","v":0.15073665785691101}]
[null,null,null,null,null,null,null,null,"compounding per period",null,12,null,null,null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":6.2499998603016138E-4},null,null,null,null,null,null,null,null,null,null,null,null,"(Nominal) Net Profit from Reinvestment against Loan",null,{"$f":"AD14-M27","v":12176.990624238293},null,{"$f":"AD12-M27","v":14344.043248320864}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Inflation Adjusted) Real Profit from Reinvestment",null,{"$f":"FV(-AD7,K12,0,-AD16)","v":11007.035067687604},null,null,null,null,"Total Tax Liability:",{"$f":"SUM(AJ13,AJ11,AJ9)","v":4693.4400000000005},null,null,null,null,null,null,"Net Bi-Monthly Pay",null,{"$f":"SUM(AS6, AS12:AS15)/2","v":1877.3325},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Tax Liability:",{"$f":"SUM(BK13,BK11,BK9)","v":7802.25}]
[null,null,null,null,null,null,"Periodic Interest Rate",null,"P",null,{"$f":"M$18","v":6.2499998603016138E-4},null,{"$f":"IF(OR(M$10=\"\", K$15=\"\", K$16=\"\"), \"\", CalcPeriodicEquivalentInterestRate(M$10, K$16, K$15))","v":6.2499998603016138E-4},null,{"$f":"IF(OR(M$10=\"\", M$12=\"\", K$12=\"\"), \"\", IF(K$12=0,\"\",M$10/(M$12/K$12)))","v":6.2500000000000001E-4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net Earnings:",{"$f":"AJ3-AJ17","v":27868.559999999998},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,"Net Earnings:",{"$f":"BK3-BK17","v":43958.55}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Take Home Pay:",{"$f":"AJ18-AJ6","v":26240.46},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,"Take Home Pay:",{"$f":"BK18-BK6","v":38264.862000000001},null,"Net Bi-Monthly Pay",null,{"$f":"SUM(BO6, BO9)/2","v":1722.7092499999999}]
[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,null,null,null,null,null,null,null,null,null,"Recommended Savings & Fiscal Responsibilities"]
[null,null,null,null,null,null,null,null,null,null,"Regular Payment Amount",null,{"$f":"IF(OR(M$7=\"\",M$12=\"\"),\"\",CalcLoanPayment(M$7,M$10,M$12,K$15,K$16))","v":611.50775146484375},null,{"$f":"IF(OR(M$7=\"\",M$10=\"\",M$12=\"\"),\"\", IF(M$10=0,(M$7/M$12),((M$10/K$15)*M$7)/(1-((1+ (M$10/K$15))^(-M$12)))))","v":611.50776936495993}]
[null,null,null,null,null,null,null,null,null,null,"Extra Regular Payment Amount",null,null,null,{"$f":"IF(OR(K$13=\"\", O$24=\"\"),\"\",TEXT((K$13-O$24)/12, \"#0.0\") & \" yrs saved\")","v":"0.0 yrs saved"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"♦","Long-Term non-Discretionary Retirement/Wealth Savings Targets"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"What if I used it to buy a car?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"per pay period"]
[null,null,null,null,null,null,null,null,null,null,"Total Regular Payment Amount, (adjusted number of payments)",null,{"$f":"IF(M$21=\"\",\"\", SUM(M$21:M$22))","v":611.50775146484375},null,{"$f":"IF(OR(M$7=\"\",M$10=\"\",M$24=\"\",K$15=\"\"),\"\", CalcNumberOfPeriods(M$7, M$24, M$10, K$15))","v":59.999996185302734},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual Investment Savings","P",50,null,"P",{"$f":"AS24*2*12","v":1200},null,"per Year",null,null,null,null,null,null,"currently USAA/Schwab Brokerage Account",null,null,null,null,null,"Annual Equivalent Income:",null,72847.199999999997]
[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,"Current Regular Auto Loan Rates",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual Investment Savings, ROTH IRA","P",{"$f":"AV25/24","v":250},null,"P",6000,null,"per Year",null,null,null,null,null,null,"currently USAA/Schwab Brokerage Account"]
[null,null,null,null,null,null,null,null,null,null,"Total Repaid",null,36690.466097782759,null,{"$f":"IF(M$21=\"\",\"\", M$21*M$12)","v":36690.465087890625},null,null,null,null,null,null,null,null,null,null,null,null,"Navy Federal",null,2.8899999999999999E-2,null,"37-60 month term",null,null,null,null,null,null,null,null,null,null,"Individual Investment/Future Wealth Savings","P",35,null,"P",{"$f":"AS26*2*12","v":840},null,"per Year",null,null,null,null,null,null,"whole life banking/insurance policy"]
[null,null,null,null,null,null,null,null,null,null,"Total Interest Paid",null,690.46609778276706,null,{"$f":"IF(O$26=\"\",\"\", O$26-M$7)","v":690.465087890625},null,{"$f":"M$27/K$12","v":138.09321955655341},"per year"]
[null,null,null,null,null,null,null,null,null,null,"Interest as % of Principal",null,{"$f":"IF(M$26=\"\",\"\", M$27/M$7)","v":1.9179613827299085E-2},null,{"$f":"IF(O$26=\"\",\"\", O$27/M$7)","v":1.9179585774739584E-2},null,{"$f":"Q$27/12","v":11.507768296379451},"per month",null,null,null,null,null,null,null,null,null,"Amount Financed",null,36000,null,"Based on $46k build price, 2020 Toyota Tacoma Pro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,null,"Term, Length of Loan in Months",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS24:AS26)","v":335},null,"♦","Total Long-Term non-Discretionary Retirement/Wealth Savings per Pay Period"]
[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,{"$f":"IF(OR(AD$26=\"\",AD$28=\"\"),\"\",CalcLoanPayment(AD$28,AD$26,AD$29,12,12))","v":645.1146240234375},null,"Calculated Monthly Payment",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AS29/AS17","v":0.17844468148290193},null,null,"Percent of Net Pay"]
[null,null,null,null,null,null,null,null,"Principal",null,"Interest",null,"Irregular Payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(AD30*AD29)-AD28","v":2706.87744140625},null,"Total Interest Paid",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AJ7+AS30","v":0.23686535337983528},null,null,"Total Long-Term non-Discretionary Retirement/Wealth Savings Percentage of Net Earnings"]
[null,null,null,null,"Principal",null,"Interest",null,"Paid",null,"Paid",null,"in excess of",null,"Principal",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,null,null,0.25,null,"How Much Of Your Income Should You Save?"]
[null,null,"Period",null,"(this payment)",null,"(this payment)",null,"(cumulative)",null,"(cumulative)",null,"Principal",null,"Balance"]
[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,"Monthly Cash Flow Savings over Regular Auto Loan",null,{"$f":"AD30-M21","v":33.60687255859375},null,{"$f":"AD34/2","v":16.803436279296875},null,"Savings per Pay Period"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M7","v":36000},null,null,null,null,null,null,null,null,null,null,null,null,"Interest Savings over Regular Auto Loan",null,{"$f":"AD31-M27","v":2016.4113436234829},null,null,null,null,null,null,null,null,null,"♦","Additional Discretionary Flex-Savings"]
[null,null,1,null,589.00781300291419,null,22.49999949708581,null,589.00781300291419,null,22.49999949708581,null,null,null,35410.992186997086,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,"Flex-Savings, General","P",128,null,"P",{"$f":"AS36*2*12","v":3072},null,"per Year",null,null,null,null,null,null,"currently Discover"]
[null,null,2,null,589.37594287781269,null,22.131869622187331,null,1178.3837558807268,null,44.631869119273141,null,null,null,34821.616244119272,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Flex-Savings, Legal","P",225,null,"P",{"$f":"AS37*2*12","v":5400},null,"per Year",null,null,null,null,null,null,"currently Ally"]
[null,null,3,null,589.74430283387778,null,21.763509666122186,null,1768.1280587146045,null,66.395378785395323,null,null,null,34231.871941285397]
[null,null,4,null,590.11289301491036,null,21.394919485089648,null,2358.240951729515,null,87.790298270484968,null,null,null,33641.759048270484]
[null,null,5,null,590.48171356480088,null,21.026098935199109,null,2948.7226652943159,null,108.81639720568407,null,null,null,33051.277334705679]
[null,null,6,null,590.85076462753,null,20.657047872470038,null,3539.5734299218457,null,129.4734450781541,null,null,null,32460.426570078151,null,null,null,null,null,null,"What if I did BOTH, Took the Loan to Reinvest and Took out a Regular Auto Loan to buy a car?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS36:AS37)","v":353},null,"♦","Total Additional Discretionary Flex-Savings"]
[null,null,7,null,591.22004634716802,null,20.287766152831924,null,4130.7934762690138,null,149.76121123098602,null,null,null,31869.206523730983,null,null,null,null,null,null,null,null,null,null,null,null,"tax liability"]
[null,null,8,null,591.58955886787578,null,19.918253632124191,null,4722.3830351368897,null,169.67946486311021,null,null,null,31277.616964863108,null,null,null,null,null,null,null,null,null,null,null,null,"Reduction of Net Profit by Remaining Car Loan Interest",null,{"$f":"AD16-AD35","v":10160.579280614809},null,{"$f":"FV(-$AD$7,$K$12,0,-AD43)","v":9184.3589192829077},null,"(Inflation Adjusted) Real Profit"]
[null,null,9,null,591.95930233390379,null,19.548510166096182,null,5314.3423374707936,null,189.22797502920639,null,null,null,30685.657662529204,null,null,null,null,null,null,null,null,null,null,null,null,"no tax liability",null,null,null,null,null,null,null,null,null,null,null,"♦","Short-Term, Non-Discretionary Budgeted Living Savings (Expenses)"]
[null,null,10,null,592.32927688959296,null,19.178535610407067,null,5906.6716143603862,null,208.40651063961346,null,null,null,30093.328385639612,null,null,null,null,null,null,null,null,null,null,null,null,"Reduction of Net Profit by Remaining Car Loan Interest",null,{"$f":"AF16-AD35","v":12327.63190469738},null,{"$f":"FV(-$AD$7,$K$12,0,-AD45)","v":11143.202853951156},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,null,null,"Long-term Savings / Initial Seed for 1st 3-Month Emergency Fund","P",{"$f":"AV45/24","v":125},null,"P",{"$f":"AZ45/BB45","v":3000},null,"per Year",null,6000,"every",2," years",null,"currently AMEX"]
[null,null,11,null,592.69948267937423,null,18.808329820625815,null,6499.3710970397606,null,227.21484046023926,null,null,null,29500.628902960238,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Uniform Fund","P",{"$f":"IF(AV46 =\"\",\"\",AV46/2)","v":22.98},null,"P",45.96,null,"Based on CLOTHING SMA, Enlisted",null,null,null,null,null,null,"currently USAA"]
[null,null,12,null,593.06991984776892,null,18.437892652231124,null,7092.4410168875293,null,245.65273311247037,null,null,null,28907.558983112467,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,"Automobile Maintenance Fund","P",{"$f":"AV47/(AV48*24)","v":50},null,"P",3600,null,"Savings Goal",null,null,null,null,null,null,"currently AMEX"]
[null,null,13,null,593.44058853938861,null,18.067223960611358,null,7685.8816054269182,null,263.71995707308173,null,null,null,28314.118394573077,null,null,null,null,null,null,null,null,null,null,null,null,"Required Payments for both Career and Auto Loan",null,{"$f":"AD30+M21","v":1256.6223754882813},null,{"$f":"(AS89*2)-AD48","v":-1015.8520421549479},null,"Remaining Discretionary Cash/Month",null,null,null,null,null,null,null,null,null,null,null,null,null,3,null,"Time frame in years (best time is during full warranty of new automobile)"]
[null,null,14,null,593.81148889893552,null,17.69632360106451,null,8279.693094325854,null,281.41628067414626,null,null,null,27720.306905674141,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"differnece",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"How Much Is the Average Car Repair Bill?"]
[null,null,15,null,594.18262107120188,null,17.325191428798124,null,8873.8757153970564,null,298.74147210294439,null,null,null,27126.124284602938,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF48/2","v":-507.92602107747393},null,"per Pay Period"]
[null,null,16,null,594.55398520107076,null,16.953827298929259,null,9468.429700598128,null,315.69529940187363,null,null,null,26531.570299401868,null,null,null,null,null,null,null,null,null,null,null,"O-2, < 2yrs",45450,null,null,null,null,null,null,null,null,null,null,null,null,"Prepaids Fund "]
[null,null,17,null,594.92558143351562,null,16.582231066484411,null,10063.355282031644,null,332.27753046835801,null,null,null,25936.644717968353,null,null,null,null,null,null,null,null,null,null,null,"O-2, 2 yrs",51760.800000000003,null,null,null,{"$f":"((BO19-AS84)*2)-AD48","v":812.79612451171852},null,null,null,null,null,null,null,null,null,null,"Auto Insurance",null,{"$f":"IF(AV52=\"\",\"\",AV52*2/24)","v":41.666666666666664},null,null,500,null,"Current USAA Policy, 2022 Kia Seltos"]
[null,null,18,null,595.29740991360052,null,16.210402586399479,null,10658.652691945244,null,348.48793305475749,null,null,null,25341.347308054752,null,null,null,null,null,null,null,null,null,null,null,"O-2, 3 yrs",59612.4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Auto Registration",null,{"$f":"IF(AV53 =\"\",\"\",AV53/24)","v":3.3333333333333335},null,null,80,null,"Estimate based on experience"]
[null,null,19,null,595.66947078648036,null,15.838341713519688,null,11254.322162731725,null,364.32627476827719,null,null,null,24745.677837268271,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Renter Insurance",null,{"$f":"IF(AV54 =\"\",\"\",AV54/24)","v":4.8991666666666669},null,null,117.58,null,"Apusento Gardens, P303, Guam"]
[null,null,20,null,596.04176419740043,null,15.466048302599544,null,11850.363926929125,null,379.79232307087671,null,null,null,24149.636073070869,null,null,null,null,null,null,null,null,null,null,null,null,"What if you skip the loan but invest $611/month?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"--",null,{"$f":"IF(AV55 =\"\",\"\",AV55/24)","v":""}]
[null,null,21,null,596.41429029169717,null,15.093522208302774,null,12446.778217220823,null,394.88584527917948,null,null,null,23553.221782779172,null,null,null,null,null,null,null,null,null,null,null,null,"Total account value after 5 yrs (60 mos)",null,{"$f":"FV(AD6/12,M12,-611,0)","v":43743.262906996759},null,{"$f":"FV(-$AD$7,$K$12,0,-AD56)","v":39540.445061524384},null,"(Inflation Adjusted) Real Value",null,null,null,null,null,null,null,null,"--"]
[null,null,22,null,596.78704921479778,null,14.720763285202276,null,13043.56526643562,null,409.60660856438176,null,null,null,22956.434733564372,null,null,null,null,null,null,null,null,null,null,null,null,"Nominal Profit",null,{"$f":"AD56-M7","v":7743.2629069967588},null,{"$f":"FV(-$AD$7,$K$12,0,-AD57)","v":6999.2963767243928},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,null,null,"Gift/Holiday Fund",null,16.666666666666668,null,null,400,null,"These don't always have to provide an exact amount, just help ease the pain!"]
[null,null,23,null,597.16004111221991,null,14.347771387780044,null,13640.72530754784,null,423.95437995216179,null,null,null,22359.274692452153]
[null,null,24,null,597.53326612957289,null,13.974546370427136,null,14238.258573677413,null,437.92892632258895,null,null,null,21761.74142632258,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"P",null,null,"P",{"$f":"SUM(AS52:AS57)","v":66.56583333333333},null,"Total Prepaids per Pay Period",null,null,null,null,null,null,"currently AMEX"]
[null,null,25,null,597.9067244125564,null,13.601088087443596,null,14836.165298089969,null,451.53001441003255,null,null,null,21163.834701910022]
[null,null,26,null,598.28041610696164,null,13.227396393038408,null,15434.445714196931,null,464.75741080307097,null,null,null,20565.55428580306]
[null,null,27,null,598.65434135867054,null,12.853471141329438,null,16033.100055555602,null,477.61088194440043,null,null,null,19966.899944444391,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,{"$f":"SUM(AS45:AS47,AS52:AS57)","v":264.54583333333335},null,"♦","Total Short-Term, Non-Discretionary Cost of Living Expenses per Pay Period"]
[null,null,28,null,599.02850031365665,null,12.479312186343375,null,16632.128555869258,null,490.09019413074378,null,null,null,19367.871444130735]
[null,null,29,null,599.40289311798438,null,12.104919382015671,null,17231.531448987243,null,502.19511351275946,null,null,null,18768.468551012749]
[null,null,30,null,599.77751991780951,null,11.730292582190492,null,17831.308968905054,null,513.92540609494995,null,null,null,18168.691031094939,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"♦","Estimated Semi-Mandatory & Discretionary Living Expenses",null,null,null,null,null,null,0.05,null,"Estimated Error Rate"]
[null,null,31,null,600.15238085937938,null,11.355431640620655,null,18431.461349764435,null,525.28083773557057,null,null,null,17568.538650235558,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Credit Monitoring",null,{"$f":"IF(AV66=\"\",\"\",((AV66)*(1+$AV$65))/2)","v":9.6389999999999993},null,null,18.36,null,"AMEX Credit Secure Credit Monitoring Service"]
[null,null,32,null,600.52747608903246,null,10.980336410967574,null,19031.988825853467,null,536.26117414653811,null,null,null,16968.011174146526,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,"Music Streaming",null,5.5125000000000002,null,null,10.5,null,"Spotify Premium"]
[null,null,33,null,600.90280575319878,null,10.605006746801202,null,19632.891631606664,null,546.86618089333933,null,null,null,16367.108368393327,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,"Groceries/Food",null,157.5,null,null,300,null,"Est. Grocery Food budget"]
[null,null,34,null,601.27836999840008,null,10.229442501599966,null,20234.170001605064,null,557.09562339493925,null,null,null,15765.829998394927,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,"Dining Out/Food",null,78.75,null,null,150,null,"Est. Dining Out Food budget"]
[null,null,35,null,601.65416897124931,null,9.8536435287507285,null,20835.824170576314,null,566.94926692368995,null,null,null,15164.175829423679,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,"Automobile Fuel/Gas",null,94.5,null,null,180,null,"Est. Auto Fuel"]
[null,null,36,null,602.03020281845124,null,9.4776096815487101,null,21437.854373394766,null,576.4268766052387,null,null,null,14562.145626605228,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,"Utilities(Electricity)/Household",null,131.25,null,null,250,null,"OHA Utilities Adjustments, Guam Power Authority (GPA)"]
[null,null,37,null,602.40647168680255,null,9.101340813197444,null,22040.260845081568,null,585.52821741843616,null,null,null,13959.739154918425,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,"Utilities(Water)/Household",null,31.5,null,null,60,null,"GWA"]
[null,null,38,null,602.78297572319127,null,8.7248367768087132,null,22643.04382080476,null,594.25305419524489,null,null,null,13356.956179195233,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,"Internet (Bundle)/Household",null,{"$f":"IF(AV73=\"\",\"\",((AV73)*(1+$AV$65))/2)","v":78.75},null,null,150,null,"GTA"]
[null,null,39,null,603.15971507459756,null,8.3480974254024982,null,23246.203535879358,null,602.60115162064733,null,null,null,12753.796464120634,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mobile Phone",null,{"$f":"IF(AV74=\"\",\"\",((AV74)*(1+$AV$65))/2)","v":42},null,null,80,null,"IT&E Wireless"]
[null,null,40,null,603.53668988809306,null,7.9711226119069183,null,23849.740225767451,null,610.57227423255426,null,null,null,12150.259774232542,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car Payment",null,{"$f":"IF(AV75=\"\",\"\",(AV75/2))","v":175},null,null,350]
[null,null,41,null,603.91390031084188,null,7.5939121891581705,null,24453.654126078294,null,618.16618642171238,null,null,null,11546.3458739217,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,{"$f":"IF(AV76=\"\",\"\",AV76/2)","v":""}]
[null,null,42,null,604.2913464900995,null,7.2164660099004738,null,25057.945472568394,null,625.38265243161288,null,null,null,10942.054527431601]
[null,null,43,null,604.66902857321395,null,6.8387839267860144,null,25662.614501141608,null,632.22143635839893,null,null,null,10337.385498858386]
[null,null,44,null,605.04694670762512,null,6.460865792374884,null,26267.661447849234,null,638.68230215077381,null,null,null,9732.3385521507607]
[null,null,45,null,605.425101040865,null,6.0827114591350266,null,26873.0865488901,null,644.76501360990881,null,null,null,9126.9134511098964,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS66:AS76)","v":804.40149999999994},null,"♦","Estimated Semi-Mandatory & Discretionary Living Expenses per Pay Period"]
[null,null,46,null,605.80349172055787,null,5.7043207794421775,null,27478.890040610659,null,650.46933438935093,null,null,null,8521.1099593893377]
[null,null,47,null,606.18211889442023,null,5.3256936055798052,null,28085.072159505078,null,655.79502799493071,null,null,null,7914.9278404949173]
[null,null,48,null,606.56098271026099,null,4.9468297897390583,null,28691.633142215338,null,660.74185778466972,null,null,null,7308.3668577846565]
[null,null,49,null,606.94008331598127,null,4.5677291840187051,null,29298.57322553132,null,665.30958696868845,null,null,null,6701.4267744686749,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,"Total ALL Long-Term & Discretionary Savings per Pay Period",null,{"$f":"SUM(AS29,AS41)","v":688},null,null,{"$f":"AS84/$AS$17","v":0.36647743540369115},null,"Percent of Net Pay (savings)"]
[null,null,50,null,607.31942085957496,null,4.1883916404250714,null,29905.892646390894,null,669.49797860911349,null,null,null,6094.1073536090998,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Short-Term Non-Discretionary Budgeted Living Savings per Pay Period",null,{"$f":"SUM(AS62)","v":264.54583333333335},null,null,{"$f":"AS85/$AS$17","v":0.14091581184118068},null,"Percent of Net Pay (prepaid debt)"]
[null,null,51,null,607.69899548912804,null,3.8088170108719912,null,30513.591641880023,null,673.30679561998545,null,null,null,5486.408358119972,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Semi-Mandatory & Discretionary Living Expenses per Pay Period",null,{"$f":"SUM(AS66:AS75)","v":804.40149999999994},null,null,{"$f":"AS86/$AS$17","v":0.42848110284139862},null,"Percent of Net Pay (debts & expenses)"]
[null,null,52,null,608.07880735281924,null,3.4290051471807432,null,31121.670449232843,null,676.73580076716621,null,null,null,4878.3295507671528,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total ALL Monthly Outflows per Pay Period",null,{"$f":"SUM(AS84:AS86)","v":1756.9473333333333}]
[null,null,53,null,608.45885659891997,null,3.048955901079994,null,31730.129305831764,null,679.78475666824625,null,null,null,4269.8706941682331]
[null,null,54,null,608.83914337579427,null,2.6686691242057412,null,32338.968449207558,null,682.45342579245198,null,null,null,3661.0315507924388,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,"Discretionary Cash Flow per Pay Period",null,{"$f":"AS17-AS87","v":120.38516666666669},null,null,{"$f":"AS89*2","v":240.77033333333338},null,"Per Month"]
[null,null,55,null,609.21966783189873,null,2.2881446681012543,null,32948.188117039455,null,684.74157046055325,null,null,null,3051.8118829605401]
[null,null,56,null,609.60043011578296,null,1.9073823842170181,null,33557.788547155236,null,686.64895284477029,null,null,null,2442.2114528447573]
[null,null,57,null,609.98143037608929,null,1.5263821239106734,null,34167.769977531323,null,688.175334968681,null,null,null,1832.230022468668]
[null,null,58,null,610.3626687615531,null,1.1451437384469598,null,34778.132646292877,null,689.3204787071279,null,null,null,1221.8673537071149]
[null,null,59,null,610.74414542100237,null,0.76366707899765707,null,35388.876791713883,null,690.08414578612553,null,null,null,611.12320828611257]
[null,null,60,null,611.12320828611257,null,0.38195199664152774,null,35999.999999999993,null,690.46609778276706,null,null,null,0]

{"sheet":"F) Buying v Renting","index":9,"n_rows":10,"n_cols":3,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[null,null,"The most significant element of this question isn't financial, it's lifestyle and life itself.  Over the course of a lifetime of renting, you are forever dependent upon your landlord.  Will they continue to own the house, bear the maintenance and management costs while you live in it and pay the costs?"]
[null,null,"How many times in a lifetime might you need to move when these life decisions for the landlord change?  At 22, your movement costs might be considerably low, with a rental van and a couple of friends, your costs might be insignificant.  However, what does this look like when you're 42, with "]
[null,null,"three children, a dog, two cars, a family-sized household of stuff and a garage full of toys and tools?  "]
[]
[null,null,"To any degree renting MIGHT get close to beating owning in the long run, these dependencies will easily consume any small benefit and quickly get you into negative territory."]
[]
[null,null,"Any further analysis of this question is moot!"]