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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":"Personal-Loan","index":2,"n_rows":71,"n_cols":38,"rows_kept":71,"cut":false,"hidden":false,"merged":[]}
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[null,null,2,null,65.914728784875081,null,40.209172582312426,null,130.93863012077014,null,81.309172613604858,null,null,null,2869.0613698792299,null,null,null,null,null,null,null,2,null,586.83489999999995,null,33.169016595254,null,1165.7388000000001,null,74.269016626546431,null,500,null,1834.2611999999999,null,"september"]
[null,null,3,null,66.817760569915407,null,39.306140797272093,null,197.75639069068555,null,120.61531341087695,null,null,null,2802.2436093093147,null,null,null,null,null,null,null,3,null,594.87450000000001,null,25.129378459132834,null,1760.6133,null,99.398395085679269,null,500,null,1239.3867,null,"october"]
[null,null,4,null,67.733163890420201,null,38.390737476767292,null,265.48955458110572,null,159.00605088764425,null,null,null,2734.5104454188945,null,null,null,null,null,null,null,4,null,378.02429999999998,null,16.97959780292781,null,2138.6376,null,116.37799288860708,null,275,null,861.36239999999998,null,"november"]
[null,null,5,null,68.661108236425477,null,37.462793130762023,null,334.15066281753121,null,196.46884401840629,null,null,null,2665.8493371824688,null,null,null,null,null,null,null,5,null,383.20319999999998,null,11.800664888984709,null,2521.8407999999999,null,128.17865777759178,null,275,null,478.1592,null,"december"]
[null,null,6,null,69.601765419980694,null,36.522135947206799,null,403.75242823751194,null,232.99097996561309,null,null,null,2596.247571762488,null,null,null,null,null,null,null,6,null,363.45310000000001,null,6.5507810449875894,null,2885.2939000000001,null,134.72943882257937,null,250,null,114.70609999999999,null,"january"]
[null,null,7,null,70.555309606960435,null,35.568591760227058,null,474.3077378444724,null,268.55957172584016,null,null,null,2525.6922621555277,null,null,null,null,null,null,null,7,null,114.70609999999999,null,1.5714735711964778,null,3000,null,136.30091239377583,null,null,null,0,null,"february"]
[null,null,8,null,71.521917349311749,null,34.601984017875751,null,545.82965519378411,null,303.16155574371589,null,null,null,2454.1703448062158,null,null,null,null,null,null,null,8,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0,null,"march"]
[null,null,9,null,72.501767617743354,null,33.622133749444146,null,618.33142281152743,null,336.78368949316007,null,null,null,2381.6685771884722,null,null,null,null,null,null,null,9,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0,null,"april"]
[null,null,10,null,73.49504183486269,null,32.62885953232481,null,691.82646464639015,null,369.41254902548485,null,null,null,2308.1735353536096,null,null,null,null,null,null,null,10,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0,null,"may"]
[null,null,11,null,74.501923908766926,null,31.621977458420577,null,766.32838855515706,null,401.03452648390544,null,null,null,2233.6716114448427,null,null,null,null,null,null,null,11,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0,null,"june"]
[null,null,12,null,75.522600267094148,null,30.601301100093355,null,841.85098882225122,null,431.63582758399878,null,null,null,2158.1490111777484,null,null,null,null,null,null,null,12,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0,null,"july"]
[null,null,13,null,76.557259891541094,null,29.566641475646403,null,918.40824871379232,null,461.20246905964518,null,null,null,2081.5917512862075,null,null,null,null,null,null,null,13,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,14,null,77.606094352853759,null,28.517807014333737,null,996.01434306664612,null,489.72027607397894,null,null,null,2003.9856569333538,null,null,null,null,null,null,null,14,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,15,null,78.669297846297354,null,27.454603520890146,null,1074.6836409129435,null,517.17487959486903,null,null,null,1925.3163590870563,null,null,null,null,null,null,null,15,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,16,null,79.747067227612206,null,26.376834139575287,null,1154.4307081405557,null,543.55171373444432,null,null,null,1845.5692918594441,null,null,null,null,null,null,null,16,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,17,null,80.839602049462329,null,25.284299317725171,null,1235.2703101900181,null,568.83601305216951,null,null,null,1764.7296898099817,null,null,null,null,null,null,null,17,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,18,null,81.947104598383191,null,24.176796768804312,null,1317.2174147884014,null,593.01280982097387,null,null,null,1682.7825852115984,null,null,null,null,null,null,null,18,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,19,null,83.069779932235804,null,23.054121434951689,null,1400.2871947206372,null,616.06693125592551,null,null,null,1599.7128052793626,null,null,null,null,null,null,null,19,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,20,null,84.207835918173927,null,21.916065449013573,null,1484.4950306388112,null,637.98299670493907,null,null,null,1515.5049693611886,null,null,null,null,null,null,null,20,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,21,null,85.361483271131263,null,20.762418096056233,null,1569.8565139099424,null,658.74541480099526,null,null,null,1430.1434860900574,null,null,null,null,null,null,null,21,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,22,null,86.530935592836158,null,19.592965774351345,null,1656.3874495027785,null,678.3383805753466,null,null,null,1343.6125504972213,null,null,null,null,null,null,null,22,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,23,null,87.716409411360601,null,18.407491955826902,null,1744.1038589141392,null,696.74587253117352,null,null,null,1255.8961410858606,null,null,null,null,null,null,null,23,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,24,null,88.918124221211201,null,17.205777145976306,null,1833.0219831353504,null,713.95164967714982,null,null,null,1166.9780168646494,null,null,null,null,null,null,null,24,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,25,null,90.136302523969277,null,15.987598843218226,null,1923.1582856593197,null,729.9392485203681,null,null,null,1076.84171434068,null,null,null,null,null,null,null,25,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,26,null,91.371169869487844,null,14.752731497699651,null,2014.5294555288076,null,744.69198001806774,null,null,null,985.47054447119217,null,null,null,null,null,null,null,26,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,27,null,92.622954897652903,null,13.500946469534592,null,2107.1524104264604,null,758.19292648760234,null,null,null,892.84758957353927,null,null,null,null,null,null,null,27,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,28,null,93.89188938071689,null,12.232011986470614,null,2201.0442998071771,null,770.42493847407297,null,null,null,798.95570019282241,null,null,null,null,null,null,null,28,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,29,null,95.178208266212081,null,10.945693100975424,null,2296.2225080733892,null,781.37063157504838,null,null,null,703.77749192661031,null,null,null,null,null,null,null,29,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,30,null,96.482149720451972,null,9.641751646735532,null,2392.7046577938413,null,791.01238322178392,null,null,null,607.29534220615835,null,null,null,null,null,null,null,30,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,31,null,97.803955172628548,null,8.3199461945589537,null,2490.5086129664696,null,799.33232941634287,null,null,null,509.4913870335298,null,null,null,null,null,null,null,31,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,32,null,99.143869359513729,null,6.9800320076737679,null,2589.6524823259833,null,806.31236142401667,null,null,null,410.3475176740161,null,null,null,null,null,null,null,32,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,33,null,100.50214037077322,null,5.6217609964142792,null,2690.1546226967566,null,811.93412242043098,null,null,null,309.84537730324291,null,null,null,null,null,null,null,33,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,34,null,101.87901969490113,null,4.2448816722863674,null,2792.0336423916578,null,816.17900409271738,null,null,null,207.96635760834178,null,null,null,null,null,null,null,34,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,35,null,103.27476226578396,null,2.8491391014035408,null,2895.3084046574418,null,819.02814319412096,null,null,null,104.69159534255782,null,null,null,null,null,null,null,35,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]
[null,null,36,null,104.68962650990244,null,1.4342748572850605,null,2999.9980311673444,null,820.46241805140596,null,null,null,1.9688326553790603E-3,null,null,null,null,null,null,null,36,null,0,null,0,null,3000,null,136.30091239377583,null,null,null,0]

{"sheet":"Should I","index":3,"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,null,null,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,39445.199999999997,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,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,null,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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Return from Reinvestment",null,6.2E-2,null,null,null,null,null,{"$f":"AJ3*AH5","v":4338.9719999999998},null,null,null,null,null,null,"Monthly Gross based on Previous Calculations",null,{"$f":"AJ19/12","v":2463.4514999999997},null,null,null,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":0.12799180186422635},null,null,null,null,null,null,"Bi-Monthly Pay (15th & EOM)",null,{"$f":"AS6/2","v":1231.7257499999998},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"percentage of Net Earnings:",{"$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":0.14056995527972985},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,"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,2527.25,null,null,null,null,null,null,"BAS (basic allowance for sustenance)",null,256.68,null,"▪","as of 2020, $3080.16 (not quite enough but better than nothing!)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,3842.55,null,"BAS (basic allowance for sustenance)",null,256.68]
[null,null,null,null,null,null,"Nominal Rate Per Period (R)",null,"APR",null,0.75,null,{"$f":"K$10/100","v":7.4999999999999997E-3},null,{"$f":"CalcEffectiveInterestRatePerPeriod(M$10,K$16)","v":7.5258347205817699E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,null,null,null,null,null,"BAH (basic allowance for housing)",null,0,null,"▪","2017 National Defense Authorization Act included a provision to overhaul the BAH",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total SS Tax Due:",null,"BAH (basic allowance for housing)",null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Raw Return from Reinvestment",null,{"$f":"FV(AD6/12,M12,0,-M7)","v":49044.147060305273},null,null,null,null,null,2445.6,null,null,null,null,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,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":13044.147060305273},null,null,null,null,null,"Total Medicare Tax Due:",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,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,{"$f":"AD12*AD8","v":1833.6151689293317},null,null,null,null,null,571.96,null,null,null,null,null,null,null,null,null,null,null,"These changes could occur as early as 2018.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,750.53]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Nominal) Net Profit from Reinvestment",null,{"$f":"AD12-AD13","v":11210.531891375942},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"▪","If there is an excess of base housing, a housing allowance may not be approved,"]
[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":0.14056995527972985},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,"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":10520.065793593174},null,{"$f":"AD12-M27","v":12353.680962522507},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"▪","Since BAH offsets an actual, non discretionary expense, whether or not the overhaul"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Inflation Adjusted) Real Profit from Reinvestment",null,{"$f":"FV(-AD7,K12,0,-AD16)","v":9509.306254533165},null,null,null,null,"Total Tax Liability:",{"$f":"SUM(AJ13,AJ11,AJ9)","v":5544.8099999999995},null,null,null,null,null,null,null,null,null,null,null,"occurs/occurred, we'll just leave this as zero and keep it out of the calculations",null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Tax Liability:",{"$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":33900.39},null,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":29561.417999999998},null,null,null,null,null,null,"Net Bi-Monthly Pay",null,{"$f":"SUM(AS6, AS9)/2","v":1360.0657499999998},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Take Home Pay:",{"$f":"BK18-BK6","v":38264.862000000001},null,"Net Bi-Monthly Pay",null,{"$f":"SUM(BO6, BO9)/2","v":1722.7092499999999}]
[]
[null,null,null,null,null,null,null,null,null,null,"Regular Payment Amount",null,{"$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$24)/12, \"#0.0\") & \" yrs saved\")","v":"0.0 yrs saved"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Recommended Savings & Fiscal Responsibilities"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"What if I used it to buy a car?"]
[null,null,null,null,null,null,null,null,null,null,"Total Regular Payment Amount, (adjusted number of payments)",null,{"$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$15))","v":59.999996185302734},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Long-Term non-Discretionary Retirement/Wealth Savings Targets"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Regular Auto Loan Rates",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"per pay period"]
[null,null,null,null,null,null,null,null,null,null,"Total Repaid",null,36690.466097782759,null,{"$f":"IF(M$21=\"\",\"\", M$21*M$12)","v":36690.465087890625},null,null,null,null,null,null,null,null,null,null,null,null,"Navy Federal",null,2.8899999999999999E-2,null,"37-60 month term",null,null,null,null,null,null,null,null,null,null,"Individual Investment Savings",null,50,null,null,{"$f":"AS26*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,"Total Interest Paid",null,690.46609778276706,null,{"$f":"IF(O$26=\"\",\"\", O$26-M$7)","v":690.465087890625},null,{"$f":"M$27/K$12","v":138.09321955655341},"per year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual Investment/Future Wealth Savings",null,15,null,null,{"$f":"AS27*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,"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(AS26:AS27)","v":65},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/AS19","v":4.779180712403059E-2},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":0.17578360898825693},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,null,"Long & Short-Term, Non-Discretionary Cost of Living Expenses"]
[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,"Long-term Savings / Initial Seed for 1st 3-Month Emergency Fund",null,35,null,null,{"$f":"AS36*2*12","v":840},null,"per Year",null,{"$f":"AV36*5","v":4200},"every",5," years",null,"currently AMEX"]
[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,"Automobile Maintenance Fund",null,{"$f":"AV37/(AV38*24)","v":50},null,null,6000,null,"Savings Goal"]
[null,null,3,null,589.74430283387778,null,21.763509666122186,null,1768.1280587146045,null,66.395378785395323,null,null,null,34231.871941285397,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,null,"Time frame in years (best time is during full warranty of new automobile)"]
[null,null,4,null,590.11289301491036,null,21.394919485089648,null,2358.240951729515,null,87.790298270484968,null,null,null,33641.759048270484,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"How Much Is the Average Car Repair Bill?"]
[null,null,5,null,590.48171356480088,null,21.026098935199109,null,2948.7226652943159,null,108.81639720568407,null,null,null,33051.277334705679,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prepaids Fund "]
[null,null,6,null,590.85076462753,null,20.657047872470038,null,3539.5734299218457,null,129.4734450781541,null,null,null,32460.426570078151,null,null,null,null,null,null,"What if I did BOTH, Took the Loan to Reinvest and Took out a Regular Auto Loan to buy a car?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Auto Insurance",null,{"$f":"AV41/12","v":66.666666666666671},null,null,800,null,"Est. GEICO, AD as O-1, at Pearland Address for 2020 Toyota Highlander"]
[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,"Uniform Fund",null,{"$f":"AV42/24","v":20.833333333333332},null,null,500,null,"Estimate based on asking a young Army LT"]
[null,null,8,null,591.58955886787578,null,19.918253632124191,null,4722.3830351368897,null,169.67946486311021,null,null,null,31277.616964863108,null,null,null,null,null,null,null,null,null,null,null,null,"Reduction of Net Profit by Remaining Car Loan Interest",null,{"$f":"AD16-AD35","v":8503.6544499696902},null,{"$f":"FV(-$AD$7,$K$12,0,-AD43)","v":7686.6301061284667},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,null,null,"Gift/Holiday Fund",null,{"$f":"AV43/24","v":16.666666666666668},null,null,400,null,"These don't always have to provide an exact amount, just help ease the pain!"]
[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,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,{"$f":"AF16-AD35","v":10337.269618899023},null,{"$f":"FV(-$AD$7,$K$12,0,-AD45)","v":9344.0729906516353},null,"(Inflation Adjusted) Real Profit"]
[null,null,11,null,592.69948267937423,null,18.808329820625815,null,6499.3710970397606,null,227.21484046023926,null,null,null,29500.628902960238,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Known Monthly Static Expenses",null,"Credit Monitoring",null,{"$f":"AV46/2","v":9.18},null,null,18.36,null,"AMEX Credit Secure Credit Monitoring Service"]
[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,"Music Streaming",null,{"$f":"AV47/2","v":5.5},null,null,11,null,"Spotify Premium"]
[null,null,13,null,593.44058853938861,null,18.067223960611358,null,7685.8816054269182,null,263.71995707308173,null,null,null,28314.118394573077,null,null,null,null,null,null,null,null,null,null,null,null,"Required Payments for both Career and Auto Loan",null,{"$f":"AD30+M21","v":1256.6223754882813},null,{"$f":"(AS65*2)-AD48","v":450.81579117838487},null,"Remaining Discretionary Cash/Month",null,null,null,null,null,null,null,null,"Groceries/Food",null,{"$f":"AV48/2","v":150},null,null,300,null,"Est. Grocery Food budget"]
[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,"Automobile Fuel/Gas",null,{"$f":"AV49/2","v":62.5},null,null,125,null,"Est. Auto Fuel"]
[null,null,15,null,594.18262107120188,null,17.325191428798124,null,8873.8757153970564,null,298.74147210294439,null,null,null,27126.124284602938,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF48/2","v":225.40789558919244},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,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,{"$f":"((BO19-AS64)*2)-AD48","v":1176.1027911783849}]
[null,null,18,null,595.29740991360052,null,16.210402586399479,null,10658.652691945244,null,348.48793305475749,null,null,null,25341.347308054752,null,null,null,null,null,null,null,null,null,null,null,"O-2, 3 yrs",59612.4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AS36:AS37,AS41:AS43,AS46:AS49)","v":416.34666666666669},null,"♦","Total Long & Short-Term, Non-Discretionary Cost of Living Expenses per Pay Period"]
[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":42849.321794873773},null,{"$f":"FV(-$AD$7,$K$12,0,-AD56)","v":38732.393099161898},null,"(Inflation Adjusted) Real Value",null,null,null,null,null,null,"Additional Discretionary Flex-Savings"]
[null,null,22,null,596.78704921479778,null,14.720763285202276,null,13043.56526643562,null,409.60660856438176,null,null,null,22956.434733564372,null,null,null,null,null,null,null,null,null,null,null,null,"Nominal Profit",null,{"$f":"AD56-M7","v":6849.3217948737729},null,{"$f":"FV(-$AD$7,$K$12,0,-AD57)","v":6191.2444143619059},null,"(Inflation Adjusted) Real Profit",null,null,null,null,null,null,null,null,"Flex-Savings",null,25,null,null,{"$f":"AS57*2*12","v":600},null,"per Year",null,null,null,null,null,null,"currently Discover"]
[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,null,{"$f":"SUM(AS57)","v":25},null,"♦","Total Additional Discretionary Flex-Savings"]
[null,null,25,null,597.9067244125564,null,13.601088087443596,null,14836.165298089969,null,451.53001441003255,null,null,null,21163.834701910022]
[null,null,26,null,598.28041610696164,null,13.227396393038408,null,15434.445714196931,null,464.75741080307097,null,null,null,20565.55428580306]
[null,null,27,null,598.65434135867054,null,12.853471141329438,null,16033.100055555602,null,477.61088194440043,null,null,null,19966.899944444391]
[null,null,28,null,599.02850031365665,null,12.479312186343375,null,16632.128555869258,null,490.09019413074378,null,null,null,19367.871444130735]
[null,null,29,null,599.40289311798438,null,12.104919382015671,null,17231.531448987243,null,502.19511351275946,null,null,null,18768.468551012749,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total ALL Savings per Pay Period",null,{"$f":"SUM(AS29,AS53,AS59)","v":506.34666666666669},null,null,{"$f":"AS64/AS19","v":0.37229572663429455},null,"Percent of Net Pay"]
[null,null,30,null,599.77751991780951,null,11.730292582190492,null,17831.308968905054,null,513.92540609494995,null,null,null,18168.691031094939,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Discretionary Cash Flow per Pay Period",null,{"$f":"AS19-AS64","v":853.71908333333306}]
[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,34,null,601.27836999840008,null,10.229442501599966,null,20234.170001605064,null,557.09562339493925,null,null,null,15765.829998394927]
[null,null,35,null,601.65416897124931,null,9.8536435287507285,null,20835.824170576314,null,566.94926692368995,null,null,null,15164.175829423679]
[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,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]
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