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{"sheet":"LongTerm Budget","index":0,"n_rows":33,"n_cols":21,"rows_kept":33,"cut":false,"hidden":false,"merged":[[9,4,9,6],[0,0,0,11],[3,11,3,12],[8,11,8,12],[7,11,7,12],[6,11,6,12],[5,11,5,12],[4,11,4,12],[3,4,3,6],[2,4,2,6],[8,4,8,6],[2,11,2,12],[1,10,1,12],[6,4,6,6],[7,4,7,6],[5,4,5,6]]}
["20-Year Budget"]
["Assumptions:",null,null,null,null,null,null,"PV","FV (in 20 yrs)",null,"Legend:"]
["Salary Growth Rate:",7.0000000000000007E-2,"Nominal Rate of Return:",0.05,"Estimated annual living expenses during retirment=",null,null,40000,{"$f":"(FV($D$5,$U$12,,-$H$3))","v":72244.449386776527},null,null,"=input cell"]
["% of Income for Living Expenses:",0.5,"Capital Gains Tax:",0.15,"Value of investments needed to live off interest=",null,null,null,{"$f":"(FV($D$5,$U$12,,-H3))/(1-TaxTables!$E$21)/$D$3","v":1699869.3973359182},null,null,"=non-input cell"]
["% Gross Pay for 401K:",{"$f":"4.5%","v":4.4999999999999998E-2},"Expected Inflation:",0.03,null,null,null,null,null,null,null,"=positive cashflow"]
["% 401K Employer Contribution:",0.06,null,null,"Instructions:",null,null,null,null,null,null,"=taxes, expenses"]
["State Tax Rate:",3.5700000000000003E-2,null,null,"(1) Insert gross pay in cell B15",null,null,null,null,null,null,"=annual contribution"]
["Mortgage Term:","30 yr",null,null,"(2) Adjust input cells (see legend)",null,null,null,null,null,null,"=accruing account"]
["Education Debt Repayment Term:","25 yr",null,null,"(3) Click \"Calculate Take-Home Pay\" Button",null,null,null,null,null,null,"=sum total"]
[null,null,null,null,"(4) Adjust input cells on all tabs"]
["Age",33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52]
["Year #",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20]
["Month Period","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May","June-May"]
["Year",2014,2015,2016,2017,2018,2019,2020,2021,2022,2023,2024,2025,2026,2027,2028,2029,2030,2031,2032,2033]
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["Pretax Deductions:",13435.893,13447.155510000001,14208.206400000001,15022.530839999999,15893.858,16826.178059999998,17823.76053,18891.173759999998,20033.305929999999,21255.387340000001,22016.014460000002,23415.175470000002,24912.277750000001,25718.177190000002,27432.209600000002,29266.224270000002,30577.61997,32677.383370000003,34343.130200000007,36747.149320000004]
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[{"$f":"Calculator!D31","v":"Federal Tax"},8405.3452724999988,8419.7894415749979,9395.8372018402515,10625.347178615113,12487.808980818176,14480.643109475452,16612.975625688738,18894.57142126195,21335.878919050294,23948.077944658813,26879.880899234937,29984.058070259147,33568.120935989289,37625.948202208565,41729.341774487169,46119.972899261265,51042.233237955414,56966.715663919298,63497.641862340635,70280.581790724478]
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["Education Loan Repayment",{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", EducationLoans!$K$16*12, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496},{"$f":"IF($B$9=\"10 yr\", 0, EducationLoans!$L$16*12)","v":5496}]
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["30-yr Mortgage ($170K house)",{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12+Mortgage!D7,Mortgage!$E$6*12+Mortgage!E7)","v":9192},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,Mortgage!$E$6*12)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,0)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,0)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,0)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,0)","v":7980},{"$f":"IF($B$8=\"30 yr\",Mortgage!$D$6*12,0)","v":7980}]
["Residual Cash for Investing",{"$f":"B24-(B27+B25+B28+B21+'Life Insurance'!$E$5)","v":15994.412703940947},{"$f":"C24-(C27+C25+C28+C21+'Life Insurance'!$E$5)","v":17238.777018708526},{"$f":"D24-(D27+D25+D28+D21+'Life Insurance'!$E$5)","v":19425.757576259082},{"$f":"E24-(E27+E25+E28+E21+'Life Insurance'!$E$5)","v":21673.257342123114},{"$f":"F24-(F27+F25+F28+F21+'Life Insurance'!$E$5)","v":23804.63902363486},{"$f":"G24-(G27+G25+G28+G21+'Life Insurance'!$E$5)","v":26085.217423281025},{"$f":"H24-(H27+H25+H28+H21+'Life Insurance'!$E$5)","v":28525.436308830922},{"$f":"I24-(I27+I25+I28+I21+'Life Insurance'!$E$5)","v":31136.470520976571},{"$f":"J24-(J27+J25+J28+J21+'Life Insurance'!$E$5)","v":33930.277123008025},{"$f":"K24-(K27+K25+K28+K21+'Life Insurance'!$E$5)","v":36919.650191431763},{"$f":"L24-(L27+L25+L28+L21+'Life Insurance'!$E$5)","v":40313.640420609358},{"$f":"M24-(M27+M25+M28+M21+'Life Insurance'!$E$5)","v":43679.438391565571},{"$f":"N24-(N27+N25+N28+N21+'Life Insurance'!$E$5)","v":47149.545574459124},{"$f":"O24-(O27+O25+O28+O21+'Life Insurance'!$E$5)","v":51532.866193462396},{"$f":"P24-(P27+P25+P28+P21+'Life Insurance'!$E$5)","v":55505.791903863006},{"$f":"Q24-(Q27+Q25+Q28+Q21+'Life Insurance'!$E$5)","v":59756.822416968353},{"$f":"R24-(R27+R25+R28+R21+'Life Insurance'!$E$5)","v":64832.750005760303},{"$f":"S24-(S27+S25+S28+S21+'Life Insurance'!$E$5)","v":69250.930412528149},{"$f":"T24-(T27+T25+T28+T21+'Life Insurance'!$E$5)","v":74453.119907887609},{"$f":"U24-(U27+U25+U28+U21+'Life Insurance'!$E$5)","v":79511.494654536858}]
["Full Life Insurance (Cash Value)",{"$f":"('Life Insurance'!$E$5+'Life Insurance'!$E$4)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(B12-1))))","v":11947.584993717875},{"$f":"('Life Insurance'!$E$5+B30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(B12-1))))","v":14209.577028106227},{"$f":"('Life Insurance'!$E$5+C30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(C12-1))))","v":16663.150099634346},{"$f":"('Life Insurance'!$E$5+D30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(D12-1))))","v":19340.651945317615},{"$f":"('Life Insurance'!$E$5+E30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(E12-1))))","v":22279.184741209327},{"$f":"('Life Insurance'!$E$5+F30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(F12-1))))","v":25521.528024368425},{"$f":"('Life Insurance'!$E$5+G30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(G12-1))))","v":29117.238866475509},{"$f":"('Life Insurance'!$E$5+H30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(H12-1))))","v":33123.968526574346},{"$f":"('Life Insurance'!$E$5+I30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(I12-1))))","v":37609.043737654349},{"$f":"('Life Insurance'!$E$5+J30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(J12-1))))","v":42651.371922851351},{"$f":"('Life Insurance'!$E$5+K30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(K12-1))))","v":48343.743562296208},{"$f":"('Life Insurance'!$E$5+L30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(L12-1))))","v":54795.622367461154},{"$f":"('Life Insurance'!$E$5+M30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(M12-1))))","v":62136.535792995877},{"$f":"('Life Insurance'!$E$5+N30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(N12-1))))","v":70520.205911213998},{"$f":"('Life Insurance'!$E$5+O30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(O12-1))))","v":80129.595309114535},{"$f":"('Life Insurance'!$E$5+P30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(P12-1))))","v":91183.086390008422},{"$f":"('Life Insurance'!$E$5+Q30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(Q12-1))))","v":103942.06777712946},{"$f":"('Life Insurance'!$E$5+R30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(R12-1))))","v":118720.27165512093},{"$f":"('Life Insurance'!$E$5+S30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(S12-1))))","v":135895.29502002231},{"$f":"('Life Insurance'!$E$5+T30)*(1+('Life Insurance'!$L$22+('Life Insurance'!$M$23*(T12-1))))","v":155922.85134243249}]
["Accruing Invest. Value",{"$f":"B29*(1+$D$3)","v":16794.133339137996},{"$f":"(B31+C29)*(1+$D$3)","v":35734.55587573885},{"$f":"(D29+C31)*(1+$D$3)","v":57918.329124597833},83571.165790056984,112744.59505437645,145771.30310154037,183011.57638088986,224855.44924695979,271725.01268846617,324076.89602389286,382610.06326672732,447603.97674120753,519491.19843145,599575.26785615797,687835.11274802196,784971.53192323993,892294.49602545029,1009622.6977598773,1138279.6085511532,1278680.6583659747]
["Accruing 401K Value",{"$f":"(B27+(B15*$B$6))*(1+$D$3)","v":11431.7719425},{"$f":"(B32+C27+(C15*$B$6))*(1+$D$3)","v":23881.454018100001},37785.086740973253,53273.570301527943,70488.424085755789,89582.60282803564,110721.37353508892,134083.25761709045,159861.04298155938,188262.87118810476,219513.40512900017,253855.08309364464,291549.46549609496,332878.68099601154,378146.97922668175,427682.39786154637,481838.55230530142,540996.55688979162,605567.08709135198,675992.59296798543]
["Accruing Value of Investments to Live Off",{"$f":"B31+B32+B30","v":40173.490275355871},73825.586921945083,112366.56596520543,156185.38803690253,205512.20388134156,260875.43395394445,322850.18878245429,392062.67539062456,{"$f":"J31+J32+J30","v":469195.09940767987},{"$f":"K31+K32+K30","v":554991.13913484896},650467.21195802372,756254.68220231333,873177.19972054078,1002974.1547633836,1146111.6872838181,1303837.0161747949,1478075.1161078811,1669339.5263047898,1879741.9906625277,2110596.1026763925]

{"sheet":"Life Insurance","index":4,"n_rows":23,"n_cols":13,"rows_kept":23,"cut":false,"hidden":false,"merged":[[21,9,21,10],[22,9,22,10],[0,0,0,13]]}
["Full Life Insurance Policy Paid Up at Age 96"]
[]
[null,null,2011,2012,2013,null,null,"Dividend","Base Cash Value","Cash Value of Adds","Net Cash Value","∆ Cash Value","∆ in ∆ of Cash Value"]
[null,"Cash Value",6616,8174,9800,null,1,36,2035,378,{"$f":"I4+J4","v":2413},{"$f":"H4/K4","v":1.4919187733112309E-2},{"$f":"L5-L4","v":-4.2439809009799361E-3}]
[null,"Annual Contribution:",{"$f":"771.65*2","v":1543.3},{"$f":"771.65*2","v":1543.3},1543.3,null,2,40,3216,531,{"$f":"I5+J5","v":3747},{"$f":"H5/K5","v":1.0675206832132373E-2},{"$f":"L6-L5","v":-2.121552088742016E-3}]
[null,"Death Benefit",159470,160366,161268,null,3,44,4448,696,5144,8.553654743390357E-3,-1.1674624009122142E-3]
[null,null,null,null,null,null,4,49,5735,899,6634,7.3861923424781428E-3,2.7037663251610507E-3]
[null,null,null,null,null,null,5,83,7073,1153,8226,1.0089958667639193E-2,2.7060111056605544E-3]
[null,null,null,null,null,null,6,127,8463,1462,9925,1.2795969773299748E-2,1.9437422485116176E-3]
[null,null,null,null,null,null,7,173,9905,1832,11737,1.4739712021811366E-2,9.8888157390030103E-4]
[null,null,null,null,null,null,8,223,11400,2778,14178,1.5728593595711667E-2,1.3130296495528458E-3]
[null,null,null,null,null,null,9,278,12946,3367,16313,1.7041623245264512E-2,9.8269613491411625E-4]
[null,null,null,null,null,null,10,335,14543,4043,18586,1.8024319380178629E-2,9.7025359897018673E-4]
[null,null,null,null,null,null,11,399,16192,4814,21006,1.8994572979148815E-2,7.4031881774272792E-4]
[null,null,null,null,null,null,12,466,17892,5721,23613,1.9734891796891543E-2,6.0062530084769097E-4]
[null,null,null,null,null,null,13,537,19634,6773,26407,2.0335517097739234E-2,1.7205576686159067E-3]
[null,null,null,null,null,null,14,649,21441,7984,29425,2.2056074766355141E-2,1.3713766944153626E-3]
[null,null,null,null,null,null,15,765,23288,9366,32654,2.3427451460770504E-2,1.214001554346613E-3]
[null,null,null,null,null,null,16,890,25185,10933,36118,2.4641453015117117E-2,1.0742677282279366E-3]
[null,null,null,null,null,null,17,1024,27128,12692,39820,2.5715720743345053E-2,{"$f":"L22-L20","v":2.7556695019076424E-2}]
[null,null,null,null,null,null,18,1166,29118,14657,43775]
[null,null,null,null,null,null,null,null,null,"Avg Annual ∆ Cash Value =",null,{"$f":"H21/K21*2","v":5.3272415762421477E-2}]
[null,null,null,null,null,null,null,null,null,"Avg Annual ∆ in ∆ of Cash Value =",null,null,{"$f":"AVERAGE(M4:M20)*2","v":4.5121444740363727E-3}]

{"sheet":"529","index":5,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[[0,0,0,9]]}
["College Savings Plans"]
[]
[null,null,null,"Clark","Cayson","Baby"]
[null,null,"Current Annual Cost of Attendence",17470,17470,17470]
[null,null,"Years Until College",13,16,18]
[null,null,"# Years in College",4,4,4]
[null,null,"Annual Increase in College Costs",0.05,0.05,0.05]
[null,null,"% of College Covered by Investment:",1,1,1]
[null,null,"Annual Contribution to 529",{"$f":"-PMT('LongTerm Budget'!$D$3,D5+D6,,FV(D7,D5+D6,,-D4*D6*D8),0)","v":6198.296024182273},{"$f":"-PMT('LongTerm Budget'!$D$3,E5+E6,,FV(E7,E5+E6,,-E4*E6*E8),0)","v":5607.3519928855094},{"$f":"-PMT('LongTerm Budget'!$D$3,F5+F6,,FV(F7,F5+F6,,-F4*F6*F8),0)","v":5308.8191379202171}]
[]
["http://www.savingforcollege.com/college-savings-calculator/index.php?current_cost=22826&years_until_college=13&years_attendance=4&attendance_rate=100&coverage_rate=100&save_until=ends&starting_balance=0&contribution_rate=1&inflation_rate=5&investment_performance=6&page=results"]

{"sheet":"EducationLoans","index":6,"n_rows":27,"n_cols":16,"rows_kept":27,"cut":false,"hidden":false,"merged":[[2,9,3,9],[0,0,0,16],[12,10,12,11],[13,10,13,11],[1,0,1,7],[2,10,3,10],[2,11,2,12],[3,11,3,12],[2,13,3,13],[2,14,3,14],[2,15,3,15]]}
["Education Loan Repayment"]
["Please click on number in first column to see details"]
[null,"Type of Loan","Loan Amount","Loan Date","Disbursed Amount","Canceled Amount","Outstanding Principal","Outstanding Interest",null,"Repayment Plan","Repayment Period","Monthly Payment",null,"Projected Loan Forgiveness","Total Interest Paid","Total Amount Paid"]
[1,"DIRECT STAFFORD UNSUBSIDIZED",0,"2013-08-27",0,0,0,0,null,null,null,"Initial to Final Amounts"]
[2,"DIRECT CONSOLIDATED UNSUBSIDIZED",0,"2012-09-07",0,0,0,0,null,"Standard*","120 months",800,"to    $800","-",0,0]
[3,"DIRECT CONSOLIDATED SUBSIDIZED",0,"2012-09-07",0,0,0,0,null,"Graduated*","120 months",456,"to    $1,369","-",0,0]
[4,"DIRECT STAFFORD UNSUBSIDIZED",0,"2012-08-17",0,0,0,0,null,"Extended Fixed","300 months",458,"to    $458","-",0,0]
[5,"DIRECT STAFFORD UNSUBSIDIZED",0,"2011-11-10",0,0,0,0,null,"Extended Graduated","300 months",348,"to    $703","-",0,0]
[6,"DIRECT STAFFORD SUBSIDIZED",0,"2011-08-19",0,0,0,0,null,"Pay As You Earn**","145 months",508,"to    $738",0,0,0]
[7,"STAFFORD UNSUBSIDIZED",0,"2007-02-23",0,0,0,0,null,"Income-Based Repayment (IBR)**","-","-","to    -","-","-","-"]
[8,"STAFFORD SUBSIDIZED",0,"2007-01-22",0,0,0,0,null,"Income-Contingent Repayment (ICR)**","98 months",824,"to    $926",0,17819,84610]
[9,"STAFFORD SUBSIDIZED",0,"2006-11-09",0,0,0,0]
[10,"STAFFORD SUBSIDIZED",0,"2006-09-15",0,0,0,0,null,"Your Loan Balance",72973]
[11,"STAFFORD SUBSIDIZED",0,"2006-09-06",0,0,0,0,null,"Interest Rate",5.7000000000000002E-2]
[12,"STAFFORD SUBSIDIZED",0,"2005-08-31",0,0,0,0,null,"Loan Terms","10 yr","25 yr"]
[13,"FFEL CONSOLIDATED",0,"2005-08-17",0,0,0,0,null,"Montlhly Installment",800,458]
[14,"FFEL CONSOLIDATED",0,"2005-08-17",0,0,0,0]
[15,"STAFFORD UNSUBSIDIZED",0,"2005-01-18",0,0,0,0]
[16,"STAFFORD SUBSIDIZED",0,"2003-05-19",0,0,0,0]
["Total  DIRECT STAFFORD UNSUBSIDIZED",null,null,null,null,null,0,0]
["Total  DIRECT CONSOLIDATED UNSUBSIDIZED",null,null,null,null,null,0,0]
["Total  DIRECT CONSOLIDATED SUBSIDIZED",null,null,null,null,null,0,0]
["Total  DIRECT STAFFORD SUBSIDIZED",null,null,null,null,null,0,0]
["Total  STAFFORD UNSUBSIDIZED",null,null,null,null,null,0,0]
["Total  STAFFORD SUBSIDIZED",null,null,null,null,null,0,0]
["Total  FFEL CONSOLIDATED",null,null,null,null,null,0,0]
["Total All Loans",null,null,null,null,null,0,0]

{"sheet":"Mortgage","index":7,"n_rows":8,"n_cols":5,"rows_kept":8,"cut":false,"hidden":false,"merged":[[0,0,0,7]]}
["Mortgage"]
[]
[null,null,"Mortgage Type:","30 yr","15 yr"]
[null,null,"Down Payment:",{"$f":"((1/3)*'LongTerm Budget'!B24)+8000+(14000*0.7)","v":30847.047951234679},{"$f":"D4","v":30847.047951234679}]
[null,null,"Annualized Interest:",4.2500000000000003E-2,3.2500000000000001E-2]
[null,null,"Monthly Payment:",665,949]
[null,null,"Fees:",1212,1043]
[null,null,"www.zillow.com"]

{"sheet":"Missions","index":8,"n_rows":7,"n_cols":7,"rows_kept":7,"cut":false,"hidden":false,"merged":[[0,0,0,11]]}
["LDS Mission Savings"]
[]
[null,null,null,null,null,"Current 2-yr Mission Price:",9600]
[null,null,null,null,"Age","FV of Mission Price:","Annual Savings Required:"]
[null,null,null,"Clark",5,{"$f":"FV('LongTerm Budget'!$D$5,18-E5,,-$G$3)","v":14097.923649135013},{"$f":"PMT('LongTerm Budget'!$D$3,18-E5,,F5)","v":-795.90906688812038}]
[null,null,null,"Cayson",2,{"$f":"FV('LongTerm Budget'!$D$5,18-E6,,-$G$3)","v":15405.181815348356},{"$f":"PMT('LongTerm Budget'!$D$3,18-E6,,F6)","v":-651.1756177136765}]
[null,null,null,"Baby",0,{"$f":"FV('LongTerm Budget'!$D$5,18-E7,,-$G$3)","v":16343.357387903072},{"$f":"PMT('LongTerm Budget'!$D$3,18-E7,,F7)","v":-580.94461516130275}]

{"sheet":"Calculator","index":9,"n_rows":36,"n_cols":5,"rows_kept":36,"cut":false,"hidden":false,"merged":[[21,3,21,4],[26,3,26,4],[0,0,0,13],[2,3,2,4],[3,3,3,4],[9,3,9,4],[13,3,13,4]]}
["Paycheck Calculator (no input necessary)"]
[]
[null,null,null,"For Wages Paid in 2014"]
[null,null,null," Gross Pay"]
[null,null,null,"Gross Pay:",367471.49315032363]
[null,null,null,"Pay Period:","Annually"]
[null,null,null,"Periods Per Year:",{"$f":"INDEX(TaxTables!$D$32:$D$38,MATCH(E6,TaxTables!$C$32:$C$38,0))","v":1}]
[null,null,null,"Est. Gross Annual Pay:",{"$f":"E5*E7","v":367471.49315032363}]
[]
[null,null,null," Filing Status and Withholdings"]
[null,null,null,"Filing Status:","Married"]
[null,null,null,"Number of Allowances:",5]
[null,null,null,"One Allowance:",{"$f":"INDEX(TaxTables!$E$32:$E$38,MATCH(E6,TaxTables!$C$32:$C$38,0))","v":3950}]
[null,null,null," Pre-Tax Adjustments"]
[null,null,null,"Tax Deferral Plan, 401(k):",{"$f":"'LongTerm Budget'!B5","v":4.4999999999999998E-2}]
[null,null,null,"Other Pre-Tax Deductions:",36747.149320000004]
[null,null,null,"Federal Taxable Gross:",{"$f":"MAX(0,E5-E12*E13-E15*E5-E16)","v":294438.12663855904}]
[null,null,null,"Federal Withholding Tables"]
[null,null,null,"Excess Over",{"$f":"IF(E$11=\"single\",INDEX(TaxTables!$C$9:$C$16,MATCH(E$17*E$7,TaxTables!$C$9:$C$16,1)),INDEX(TaxTables!$C$19:$C$26,MATCH(E$17*E$7,TaxTables!$C$19:$C$26,1)))","v":235300}]
[null,null,null,"Withhold",{"$f":"IF(E$11=\"single\",INDEX(TaxTables!$D$9:$D$16,MATCH(E$17*E$7,TaxTables!$C$9:$C$16,1)),INDEX(TaxTables!$D$19:$D$26,MATCH(E$17*E$7,TaxTables!$C$19:$C$26,1)))","v":50765}]
[null,null,null,"Plus X% of Excess",{"$f":"IF(E$11=\"single\",INDEX(TaxTables!$E$9:$E$16,MATCH(E$17*E$7,TaxTables!$C$9:$C$16,1)),INDEX(TaxTables!$E$19:$E$26,MATCH(E$17*E$7,TaxTables!$C$19:$C$26,1)))","v":0.33}]
[null,null,null," Post-Tax Adjustments"]
[null,null,null,"State & Local Taxes:",{"$f":"'LongTerm Budget'!B7","v":3.5700000000000003E-2}]
[null,null,null,"Other Post-Tax Deductions:",0]
[null,null,null,"Post-Tax Reimbursements:",0]
[]
[null,null,null," Estimated Pay Check"]
[null,null,null,"NET Take-Home Pay",{"$f":"E5-SUM(E29:E35)+E36","v":205284.53450083829}]
[null,null,null,"FICA Social Security (6.2%)",{"$f":"E5*6.2%","v":22783.232575320064}]
[null,null,null,"FICA Medicare (1.45%)",{"$f":"E5*1.45%","v":5328.336650679692}]
[null,null,null,"Federal Tax",{"$f":"(E20+E21*(E17*E7-E19))/E7","v":70280.581790724478}]
[null,null,null,"Tax Deferral Plan",{"$f":"E15*E5","v":16536.217191764561}]
[null,null,null,"Pre-Tax Deductions",{"$f":"E16","v":36747.149320000004}]
[null,null,null,"State & Local Taxes",{"$f":"E17*E23","v":10511.441120996558}]
[null,null,null,"Post-Tax Deductions",{"$f":"E24","v":0}]
[null,null,null,"Post-Tax Reimbursements",{"$f":"E25","v":0}]

{"sheet":"Sheet4","index":10,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"TaxTables","index":11,"n_rows":38,"n_cols":5,"rows_kept":38,"cut":false,"hidden":false,"merged":[[2,0,2,4],[0,0,0,9]]}
["Federal Tax Tables (no input necessary)"]
[]
["These tables are used to estimate the federal tax withholding and need to be updated each year. The federal tax is calculated by multiplying the Federal Taxable Gross by the number of payments per year, then using the ANNUAL Table to calculate the withholding. The Federal Taxable Gross is the Gross Pay minus the Allowances minus the pre-tax withholdings and deductions."]
[]
["2014 ANNUAL Table for Percentage Method for Income Tax Withholding"]
[]
["Source: IRS Publication 15, Table 7, pg 44",null,"SINGLE"]
["http://www.irs.gov/pub/irs-pdf/p15.pdf",null,"Excess over","Withhold","Percent"]
[null,null,0,0,0]
[null,null,2250,0,0.1]
[null,null,11325,907.5,0.15]
[null,null,39150,5081.25,0.25]
[null,null,91600,18193.75,0.28000000000000003]
[null,null,188600,45353.75,0.33]
[null,null,407350,117541.25,0.35]
[null,null,409000,118118.75,0.39600000000000002]
[null,null,"MARRIED"]
[null,null,"Excess over","Withhold","Percent"]
[null,null,0,0,0]
[null,null,8450,0,0.1]
[null,null,26600,1815,0.15]
[null,null,82250,10162.5,0.25]
[null,null,157300,28925,0.28000000000000003]
[null,null,235300,50765,0.33]
[null,null,413550,109587.5,0.35]
[null,null,466050,127962.5,0.39600000000000002]
[]
[null,null,"Percentage Method - 2014 Amount for One Withholding Allowance"]
[null,null,"Source: IRS Publication 15, Table 5, pg 41"]
[null,null,"http://www.irs.gov/pub/irs-pdf/p15.pdf"]
[null,null,"Pay Period","Periods per Year","Allowance"]
[null,null,"Weekly",52,76]
[null,null,"Biweekly",26,151.9]
[null,null,"Semimonthly",24,164.6]
[null,null,"Monthly",12,329.2]
[null,null,"Quarterly",4,987.5]
[null,null,"Semiannually",2,1975]
[null,null,"Annually",1,3950]