Moontower Retirement Model

	A	B	I	J	K
1	Working Years	Inputs	Annual Cost of College (in future dollars)	$100,000
2	Initial Conditions		Ages When Kids in College	# kids in College	Total Cost
3	Current Age	30	52	1	$100,000
4	Current Net Worth	$100,000	53	1	$100,000
5	Income		54	2	$200,000
6	Gross Income Until Retirement (current dollars)	$250,000	55	2	$200,000
7	Expenses		56	1	$100,000
8	After-Tax Expenses (current dollars)	$90,000	57	1	$100,000
9	Tax Assumptions
10	Federal Tax Rate	30%
11	State Tax Rate	11%
12	Investment Returns		Inflation Calculator to Get Future Dollar Amount
13	Investment Return (Nominal)	3.0%	Current Dollar Amount	$1,000.00
14	Inflation Rate	3.0%	Inflation Rate	2.00%
15			Years in the Future	20
16			Future Dollar Amount	$1,486
17	Retirement Years
18	Retirement Age	65
19	Fixed Annuity/Pension/SSI/Salary (future dollars)	$1,200
20	Retirement After-Tax Expenses (current dollars)	$60,000
21	Tax Assumptions
22	Federal Tax Rate	30%
23	State Tax Rate	0%
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