rlibrary projections

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V	W	X	AC	AD	AE	AF	AG	AH	AI	AJ	AK	AL	AM	AN	AO	AP	AQ	AR	AS	AT
1	Age:	65	70	80	100	Av ROI	Retirement Projections																	Recalculate: Ctrl-R											S&P 500	S&P 500		S&P 500	S&P 500
2	Bal:	683	682	-66	-1,457	8.5	(all $ amounts in thousands and don't include inflation)																						S&P 500	S&P 500		S&P 500	S&P 500		Russll 2000	Russll 2000		Russll 2000	Russll 2000
3	Av ROI:	17.5	1.1	5.0	10.5																								Russll 2000	Russll 2000		Russll 2000	Russll 2000		Emrg Mkts	Emrg Mkts		EAFE	EAFE
4																													Emrg Mkts	Emrg Mkts		Emrg Mkts	Emrg Mkts		BRK	BRK		BRK	BRK		BRK	BRK
5	8.5	Scenario average ROI																							Year	S&P 500	S&P 500		Bond Idx	Bond Idx		BRK	BRK		Bond Idx	Bond Idx		Bond Idx	Bond Idx		S&P 500	S&P 500
6					Portolio		Income								Expenses									Stock Sales		ROI	w/o inflat		(1:1:1:1)	w/o inflat		(1:1:1:1)	w/o inflat		(1:1:1:1:1)	w/o inflat		(1:1:1:1:1)	w/o inflat		(3:1)	w/o inflat
7	ROI	Year	Age		Value	Growth	Total	Soc Sec 1	Pen- sion 1	Soc Sec 2	SS Sp Ben 2	Pen- sion 2	Other	Special	Total	SOL	Inc Tax	Mtge	Spec	Hlth	LTC	Vac	Car	Amt	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18

8	29.4	2018	63		500	147	0	0	0		0	0			56	29	0	7		19		0		56	1967	30.9	26.9
9	33.6	2019	64		591	199	6	0	0	6	0	0			113	58	4	15	20	7	5	4		107	1968	11.0	8.0
10	7.9	2020	65		683	54	20	0	0	20	0	0			97	58	1	15		2	6	15		77	1969	-8.4	-11.4
11	-0.9	2021	66		660	-6	20	0	0	20	0	0			125	58	4	15		2	6	5	35	105	1970	3.9	0.9
12	18.0	2022	67		548	99	20	0	0	20	0	0			87	58	0	15		3	6	5		67	1971	14.6	11.6
13	7.1	2023	68		580	41	20	0	0	20	0	0			88	58	0	15		3	7	5		68	1972	18.9	15.9
14	29.4	2024	69		553	163	55	25	8	20	2	0			89	58	1	15		3	7	5		34	1973	-14.8	-17.8
15	-37.0	2025	70		682	-252	63	30	10	20	3	0			100	58	2	15		3	7	15		37	1974	-26.4	-26.4
16	-12.1	2026	71		392	-47	63	30	10	20	3	0			126	58	2	15		3	8	5	35	63	1975	37.2	33.2
17	13.0	2027	72		282	37	63	30	10	20	3	0			92	58	2	15		4	8	5		29	1976	23.6	20.6
18	-12.1	2028	73		289	-35	63	30	10	20	3	0			92	58	2	15		4	8	5		29	1977	-7.4	-10.4
19	-22.1	2029	74		225	-50	63	30	10	20	3	0			93	58	2	15		4	9	5		30	1978	6.4	3.4
20	-22.1	2030	75		145	-32	63	30	10	20	3	0			103	58	2	15		4	9	15		40	1979	18.2	15.2
21	25.6	2031	76		73	19	63	30	10	20	3	0			128	58	2	15		4	9	5	35	65	1980	32.3	28.3
22	13.0	2032	77		27	3	63	30	10	20	3	0			95	58	2	15		5	10	5		32	1981	-5.0	-8.0
23	25.6	2033	78		-2	0	63	30	10	20	3	0			95	58	2	15		5	10	5		32	1982	21.4	18.4
24	1.9	2034	79		-34	-1	63	30	10	20	3	0			95	58	2	15		5	10	5		32	1983	22.4	19.4
25	1.9	2035	80		-66	-1	63	30	10	20	3	0			85	58	2	15		5		5		22	1984	6.1	3.1
26	25.6	2036	81		-89	-23	63	30	10	20	3	0			120	58	2	15		5		5	35	57	1985	31.6	27.6
27	23.5	2037	82		-169	-40	64	30	10	20	4	0			86	58	2	15		6		5		23	1986	18.6	15.6
28	-12.1	2038	83		-231	28	64	30	10	20	4	0			86	58	2	15		6		5		23	1987	5.1	2.1
29	23.5	2039	84		-226	-53	64	30	10	20	4	0			86	58	2	15		6		5		23	1988	16.6	13.6
30	33.6	2040	85		-301	-101	64	30	10	20	4	0			86	58	2	15		6		5		22	1989	31.7	27.7
31	33.6	2041	86		-425	-143	64	30	10	20	4	0			86	58	2	15		6		5		22	1990	-3.1	-6.1
32	18.0	2042	87		-591	-106	64	30	10	20	4	0			87	58	2	15		7		5		23	1991	30.5	26.5
33	-14.9	2043	88		-720	107	64	30	10	20	4	0			122	58	2	15		7		5	35	58	1992	7.6	4.6
34	-22.1	2044	89		-671	148	64	30	10	20	4	0			82	58	2	15		7				18	1993	10.1	7.1		28.4	25.4		29.5	26.5		25.6	22.6		19.0	16.0		13.2	10.2
35	12.8	2045	90		-541	-69	64	30	10	20	4	0			82	58	2	15		7				18	1994	1.3	-1.7		-2.7	-5.7		1.5	-1.5		0.6	-2.4		5.3	2.3		10.8	7.8
36	33.6	2046	91		-629	-211	64	30	10	20	4	0			67	58	2			7				3	1995	37.6	33.6		19.8	15.8		26.0	22.0		24.5	20.5		30.1	26.1		41.7	37.7
37	2.5	2047	92		-843	-21	64	30	10	20	4	0			68	58	2			8				4	1996	23.0	20.0		12.3	9.3		19.3	16.3		16.2	13.2		19.3	16.3		29.6	26.6
38	18.0	2048	93		-868	-156	64	30	10	20	4	0			68	58	2			8				4	1997	33.4	29.4		13.4	9.4		19.6	15.6		17.6	13.6		22.9	18.9		33.9	29.9
39	-1.7	2049	94		-1,029	17	64	30	10	20	4	0			68	58	2			8				4	1998	28.6	25.6		2.3	-0.7		12.2	9.2		11.5	8.5		23.6	20.6		43.4	40.4
40	33.6	2050	95		-1,016	-341	64	30	10	20	4	0			68	58	2			8				4	1999	21.0	18.0		27.0	24.0		27.3	24.3		21.7	18.7		17.4	14.4		5.6	2.6
41	13.0	2051	96		-1,361	-177	64	30	10	20	4	0			68	58	2			8				4	2000	-9.1	-12.1		-7.8	-10.8		-9.1	-12.1		-4.9	-7.9		-5.0	-8.0		2.6	-0.4
42	7.9	2052	97		-1,542	-122	64	30	10	20	4	0			69	58	2			9				5	2001	-11.9	-14.9		-0.8	-3.8		-4.5	-7.5		-1.9	-4.9		-9.3	-12.3		-7.6	-10.6
43	1.9	2053	98		-1,669	-32	64	30	10	20	4	0			69	58	2			9				5	2002	-22.1	-22.1		-9.6	-9.6		-9.6	-9.6		-5.7	-5.7		-12.1	-12.1		2.0	2.0
44	-14.9	2054	99		-1,706	254	64	30	10	20	4	0			69	58	2			9				5	2003	28.7	25.7		34.1	31.1		38.3	35.3		31.5	28.5		33.9	30.9		22.9	19.9
45		2055	100		-1,457	0	64	30	10	20	4	0			69	58	2			9				5	2004	10.9	7.9		14.9	11.9		16.4	13.4		14.0	11.0		15.0	12.0		10.6	7.6
46																									2005	4.9	1.9		11.6	8.6		12.6	9.6		10.6	7.6		7.4	4.4		6.0	3.0
47																									2006	15.8	12.8		17.8	14.8		21.3	18.3		17.9	14.9		19.7	16.7		17.7	14.7
48																									2007	5.5	2.5		12.7	9.7		13.7	10.7		12.3	9.3		6.5	3.5		9.6	6.6
49																									2008	-37.0	-37.0		-29.7	-29.7		-33.4	-33.4		-25.7	-25.7		-30.9	-30.9		-16.5	-16.5
50																									2009	26.5	23.5		33.1	30.1		36.6	33.6		30.5	27.5		24.8	21.8		21.5	18.5
51																									2010	15.1	12.1		16.9	13.9		18.5	15.5		16.1	13.1		15.7	12.7		13.5	10.5
52		Age				Av ROI																			2011	2.1	-0.9		-3.1	-6.1		-3.9	-6.9		-1.6	-4.6		-2.4	-5.4		4.0	1.0
53	Scen.	65	70	80	100	100																			2012	16.0	13.0		13.8	10.8		16.3	13.3		13.9	10.9		16.0	13.0		14.8	11.8
54																									2013	32.4	28.4
55	1	666	-55	-426	-862	-1.5																			2014	13.7	10.7
56	2	1,199	622	149	-152	0.3
57	3	1,096	467	454	-67	0.5																			Ave:	11.4	8.4		10.2	7.4		12.4	9.6		11.2	8.4		10.8	8.0		14.0	11.2
58	4	913	271	-58	-328	1.7																			# Pos	35	73%		14	70%		15	75%		15	75%		15	75%		16	80%
59	5	566	234	-276	-1,167	1.9																			# Neg	13	27%		6	30%		5	25%		5	25%		5	25%		4	20%
60	6	1,196	727	640	-54	2.0
61	7	595	46	-362	-879	2.0
62	8	742	399	191	-161	2.3
63	9	893	565	77	-299	2.3
64	10	1,331	1,325	1,166	717	3.0
65	11	925	208	-152	-552	3.1
66	12	1,029	1,906	852	422	3.3
67	13	1,239	251	-184	-580	3.4
68	14	1,035	820	199	-219	3.4
69	15	989	1,536	2,858	892	3.7
70	16	1,027	798	333	160	3.8
71	17	1,018	79	-421	-1,253	3.9
72	18	1,058	840	548	27	4.0
73	19	1,029	594	94	-738	4.1
74	20	998	1,310	489	395	4.1
75	21	714	735	211	-628	4.3
76	22	1,425	407	-97	-1,294	4.3
77	23	717	503	512	112	4.5
78	24	1,294	1,090	814	473	4.6
79	25	984	1,721	784	991	4.8
80	26	1,499	1,138	990	1,367	4.8
81	27	372	42	-740	-1,593	4.8
82	28	1,165	654	1,192	762	5.2
83	29	1,020	654	394	210	5.2
84	30	675	512	236	-175	5.4
85	31	1,054	1,122	1,511	1,787	5.4
86	32	627	1,088	45	-791	5.4
87	33	1,552	2,695	3,455	2,462	5.4
88	34	843	726	534	778	5.5
89	35	1,076	442	383	36	6.1
90	36	778	845	242	149	6.1
91	37	1,140	541	711	1,103	6.1
92	38	747	982	824	989	6.1
93	39	1,114	759	510	755	6.3
94	40	929	590	200	-1,094	6.4
95	41	974	1,316	482	1,278	6.5
96	42	1,208	981	1,525	2,756	6.5
97	43	1,162	1,674	513	1,837	6.5
98	44	760	725	1,163	1,738	6.6
99	45	1,338	1,032	609	888	6.7
100	46	529	189	-26	-926	6.7