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:	243	-51	-248	-2,478	4.4	(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:	-1.7	2.3	-3.1	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	4.4	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	-14.9	2018	63		500	-75	0	0	0		0	0			72	39	0	10		23		0		72	1967	30.9	26.9
9	-0.9	2019	64		354	-3	6	0	0	6	0	0			113	58	4	15	20	7	5	4		107	1968	11.0	8.0
10	7.1	2020	65		243	17	20	0	0	20	0	0			97	58	1	15		2	6	15		77	1969	-8.4	-11.4
11	1.9	2021	66		184	3	20	0	0	20	0	0			125	58	4	15		2	6	5	35	105	1970	3.9	0.9
12	23.5	2022	67		82	19	20	0	0	20	0	0			87	58	0	15		3	6	5		67	1971	14.6	11.6
13	20.0	2023	68		34	7	20	0	0	20	0	0			88	58	0	15		3	7	5		68	1972	18.9	15.9
14	-37.0	2024	69		-27	10	55	25	8	20	2	0			89	58	1	15		3	7	5		34	1973	-14.8	-17.8
15	-14.9	2025	70		-51	8	63	30	10	20	3	0			100	58	2	15		3	7	15		37	1974	-26.4	-26.4
16	20.0	2026	71		-81	-16	63	30	10	20	3	0			126	58	2	15		3	8	5	35	63	1975	37.2	33.2
17	12.8	2027	72		-160	-20	63	30	10	20	3	0			92	58	2	15		4	8	5		29	1976	23.6	20.6
18	29.4	2028	73		-210	-62	63	30	10	20	3	0			92	58	2	15		4	8	5		29	1977	-7.4	-10.4
19	-12.1	2029	74		-301	36	63	30	10	20	3	0			93	58	2	15		4	9	5		30	1978	6.4	3.4
20	-14.9	2030	75		-294	44	63	30	10	20	3	0			103	58	2	15		4	9	15		40	1979	18.2	15.2
21	20.0	2031	76		-290	-58	63	30	10	20	3	0			128	58	2	15		4	9	5	35	65	1980	32.3	28.3
22	12.1	2032	77		-414	-50	63	30	10	20	3	0			95	58	2	15		5	10	5		32	1981	-5.0	-8.0
23	-37.0	2033	78		-495	183	63	30	10	20	3	0			95	58	2	15		5	10	5		32	1982	21.4	18.4
24	-37.0	2034	79		-344	127	63	30	10	20	3	0			95	58	2	15		5	10	5		32	1983	22.4	19.4
25	18.0	2035	80		-248	-45	63	30	10	20	3	0			85	58	2	15		5		5		22	1984	6.1	3.1
26	-22.1	2036	81		-315	70	63	30	10	20	3	0			120	58	2	15		5		5	35	57	1985	31.6	27.6
27	-22.1	2037	82		-302	67	64	30	10	20	4	0			86	58	2	15		6		5		23	1986	18.6	15.6
28	-0.9	2038	83		-258	2	64	30	10	20	4	0			86	58	2	15		6		5		23	1987	5.1	2.1
29	25.6	2039	84		-278	-71	64	30	10	20	4	0			86	58	2	15		6		5		23	1988	16.6	13.6
30	12.1	2040	85		-372	-45	64	30	10	20	4	0			86	58	2	15		6		5		22	1989	31.7	27.7
31	29.4	2041	86		-439	-129	64	30	10	20	4	0			86	58	2	15		6		5		22	1990	-3.1	-6.1
32	7.9	2042	87		-591	-47	64	30	10	20	4	0			87	58	2	15		7		5		23	1991	30.5	26.5
33	29.4	2043	88		-661	-194	64	30	10	20	4	0			122	58	2	15		7		5	35	58	1992	7.6	4.6
34	-1.7	2044	89		-913	16	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	25.7	2045	90		-916	-235	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	-1.7	2046	91		-1,170	20	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	25.7	2047	92		-1,153	-296	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	7.1	2048	93		-1,454	-103	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	2.5	2049	94		-1,561	-39	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	-14.9	2050	95		-1,605	239	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	25.6	2051	96		-1,370	-351	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		-1,724	-136	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	23.5	2053	98		-1,866	-438	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	7.1	2054	99		-2,309	-164	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		-2,478	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