Case Study Schedules

Name: Lisa Blood

FIN101 Section:

15

INSTRUCTIONS: Summarize your work here by providing links in the GREYED areas to the
#1. How much are they CURRENTLY overspending each month?
#2a. List your top 3 recommendations for insuring that (1) the budget covers ALL expense
1 I recommend getting rid of the cable, newspaper, and phone service. The
2 I would also recommend spending less on food - bulk buying will help
3 Another suggestion would be to skip on the bowling league and charities.
#2b. How much additional money does your new budget provide to be able to pay all exp
#3a. How long does it take to get them completely out of debt starting with ONLY an ext

#3b. How much will eventually be freed up to use in building a retirement plan?
#4. How much will they have in their retirement account if they retire at age 65?
NOTE: Assume a 10% return per year.

e cell of the appropriate spreadsheet that contains your answer.

$

(272.50) (HINT: over $200)

es and (2) you find at least $100 more per month for debt reduction.
ey is not necessities.

.
penses and help to pay off debt more quickly?
ra $100 per month?

$ 407.50 (HINT: over $400 per m

99 months (HINT: between 90 and100 month
8.3 years

2,937.50 (HINT: over $2,000 per month)

$ 3,087,018.01 (HINT: more than $3,000,000)

month)
hs)

Current Budget
HINT: Create a simple one month Cash Flow statement showing Income and Expenses. The differen

Income
AGES: 35

Brother Hopeful
Sister Hopeful

$
$
$

4,800.00
350.00
5,150.00

tithing and offerings

charities
car payment
1st mortgage
2nd mortgage

$
$
$
$
$

615.00
35.00
200.00
1,149.00
582.82

Credit Cards
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Gas Card
Medical Bill

$
$
$
$
$
$

158.00
34.67
274.37
280.85
92.72
65.07

food
lessons
laundry
dry cleaning
gifts
life insurance
medical insurance
car insurance
internet
cable
utilities
phone service
cell phones
gas
bowling
newspaper
misc

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

450.00
155.00
30.00
20.00
15.00
70.00
200.00
120.00
25.00
95.00
275.00
75.00
85.00
170.00
85.00
35.00
30.00

Total Income

Expenses

Total Expenses

5,422.50

Available to Service Debt

2,837.50

Total Monthly Debt

2,837.50

Surplus/ (Shortgage)

$ (272.50)

ce between Income and Expenses shows Surplus

s or Deficit.

Revised Budget
HINT: Make a copy of your Current Budget tab and add additional columns showing what you would modify

Income
Brother Hopeful
Sister Hopeful
Total Income

$
$
$

CURRENT

4,800.00
350.00
5,150.00

RECOMMENDED

Expenses

Savings

tithing and offerings

charities
car payment
1st mortgage
2nd mortgage

$
$
$
$
$

615.00
35.00
200.00
1,149.00
582.82

$
$
$
$
$

615.00
200.00
1,149.00
582.82

Credit Cards
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Gas Card
Medical Bill

$
$
$
$
$
$

158.00
34.67
274.37
280.85
92.72
65.07

$
$
$
$
$
$

158.00
34.67
274.37
280.85
92.72
65.07

food
lessons
laundry
dry cleaning
gifts
life insurance
medical insurance
car insurance
internet
cable
utilities
phone service
cell phones
gas
bowling
newspaper
misc

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

450.00
155.00
30.00
20.00
15.00
70.00
200.00
120.00
25.00
95.00
275.00
75.00
85.00
170.00
85.00
35.00
30.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

300.00
30.00
15.00
70.00
200.00
120.00
25.00
275.00
85.00
170.00
-

35.00

$ 150.00
$ 155.00
$

20.00

95.00

75.00

$
$
$

85.00
35.00
30.00

Total Expenses

5,422.50

4,742.50

Available to Service Debt

2,837.50

3,245.00

Total Monthly Debt

2,837.50

2,837.50

Surplus/ (Shortgage) $

(272.50)

407.50

$ 680.00

y and why.

Debt Reduction Plan

Use ONLY $100 extra to start your Debt Free Snowball rolling.
HINT: If you don't know how to start, make sure you have read the Case Study Help Files (found in Unit 24 in BrightSpace) entitled "Roll-over Debt Free Ex

Amount
APR %
$1,000.00
$1,876.97
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

Current Payment
15.00%
15.00%
12.00%
7.00%
12.00%
11.00%
6.00%
9.50%
6.00%

$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50

Payments
Remaining
36
36
24
28
48
60
84
142
147

Credit Card #2
Payments
Remaining
36
Description
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total debt

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17

Beginning
Balance
$
$
$
$
$
$
$
$

1,000.00
877.83
754.13
628.89
502.08
373.69
243.69
112.06

xpanation".
Medical Bill
Payments
Remaining
36

Additional
Payment Due
Payment
$
34.67 $
100.00
Payment
$
$
$
$
$
$
$
$

134.67
134.67
134.67
134.67
134.67
134.67
134.67
134.67

$
$
$
$
$
$
$
$

Interest
15.00%
12.50
10.97
9.43
7.86
6.28
4.67
3.05
1.40

Principle
$
$
$
$
$
$
$
$

122.17
123.70
125.24
126.81
128.39
130.00
131.62
133.27

Ending Balance
$
1,000.00
$
877.83
$
754.13
$
628.89
$
502.08
$
373.69
$
243.69
$
112.06
$
(21.21)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Beginning
Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,876.97
1,835.36
1,793.23
1,750.58
1,707.39
1,663.66
1,619.39
1,574.56
1,529.17
1,348.55
1,165.67
980.50
793.01
603.19
410.99
216.38
19.35

Additional
Payment Due
Payment
134.67
$
65.07 $
Payment
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
15.00%
23.46
22.94
22.42
21.88
21.34
20.80
20.24
19.68
19.11
16.86
14.57
12.26
9.91
7.54
5.14
2.70
0.24

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

41.61
42.13
42.65
43.19
43.73
44.27
44.83
45.39
180.63
182.88
185.17
187.48
189.83
192.20
194.60
197.04
199.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Ending
Balance
1,876.97
1,835.36
1,793.23
1,750.58
1,707.39
1,663.66
1,619.39
1,574.56
1,529.17
1,348.55
1,165.67
980.50
793.01
603.19
410.99
216.38
19.35
(180.15)

Gas Credit Card

Payments
Remaining
24

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Beginning
Balance

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$1,969.78
1,896.76
1,823.01
1,748.52
1,673.28
1,597.29
1,520.55
1,443.03
1,364.74
1,285.67
1,205.81
1,125.14
1,043.68
961.39
878.29
794.35
709.57
623.95
337.73
48.65

Additional
Payment
$199.74

Payment Due
$
92.72
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
292.46
292.46
292.46

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
12.00%
19.70
18.97
18.23
17.49
16.73
15.97
15.21
14.43
13.65
12.86
12.06
11.25
10.44
9.61
8.78
7.94
7.10
6.24
3.38
0.49

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

73.02
73.75
74.49
75.23
75.99
76.75
77.51
78.29
79.07
79.86
80.66
81.47
82.28
83.11
83.94
84.78
85.62
286.22
289.08
291.97

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Ending
Balance
1,969.78
1,896.76
1,823.01
1,748.52
1,673.28
1,597.29
1,520.55
1,443.03
1,364.74
1,285.67
1,205.81
1,125.14
1,043.68
961.39
878.29
794.35
709.57
623.95
337.73
48.65
(243.33)

Car Loan
Payments
Remaining
28

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Beginning
Balance

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$5,200.00
5,030.33
4,859.68
4,688.03
4,515.37
4,341.71
4,167.04
3,991.35
3,814.63
3,636.88
3,458.10
3,278.27
3,097.39
2,915.46
2,732.47
2,548.41
2,363.27
2,177.06
1,989.76
1,801.36
1,611.87
1,128.81
642.94
154.23

Additional
Payment Due
Payment
292.46
$
200.00 $
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
492.46
492.46
492.46
492.46

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
7.00%
30.33
29.34
28.35
27.35
26.34
25.33
24.31
23.28
22.25
21.22
20.17
19.12
18.07
17.01
15.94
14.87
13.79
12.70
11.61
10.51
9.40
6.58
3.75
0.90

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

169.67
170.66
171.65
172.65
173.66
174.67
175.69
176.72
177.75
178.78
179.83
180.88
181.93
182.99
184.06
185.13
186.21
187.30
188.39
189.49
483.06
485.88
488.71
491.56

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Ending
Balance
5,200.00
5,030.33
4,859.68
4,688.03
4,515.37
4,341.71
4,167.04
3,991.35
3,814.63
3,636.88
3,458.10
3,278.27
3,097.39
2,915.46
2,732.47
2,548.41
2,363.27
2,177.06
1,989.76
1,801.36
1,611.87
1,128.81
642.94
154.23
(337.33)

Credit Card #1
Payments
Remaining
24

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Beginning
Balance

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$6,000.00
5,902.00
5,803.02
5,703.05
5,602.08
5,500.10
5,397.10
5,293.07
5,188.00
5,081.88
4,974.70
4,866.45
4,757.11
4,646.69
4,535.15
4,422.50
4,308.73
4,193.82
4,077.75
3,960.53
3,842.14
3,722.56
3,601.78
3,479.80
3,356.60
2,739.71
2,116.64
1,487.35
851.76
209.82

Additional
Payment Due
Payment
$
158.00 $
492.46
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
650.46
650.46
650.46
650.46
650.46
650.46

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
12.00%
60.00
59.02
58.03
57.03
56.02
55.00
53.97
52.93
51.88
50.82
49.75
48.66
47.57
46.47
45.35
44.23
43.09
41.94
40.78
39.61
38.42
37.23
36.02
34.80
33.57
27.40
21.17
14.87
8.52
2.10

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

98.00
98.98
99.97
100.97
101.98
103.00
104.03
105.07
106.12
107.18
108.25
109.34
110.43
111.53
112.65
113.77
114.91
116.06
117.22
118.39
119.58
120.77
121.98
123.20
616.89
623.06
629.29
635.59
641.94
648.36

Ending
Balance
$6,000.00
$
5,902.00
$
5,803.02
$
5,703.05
$
5,602.08
$
5,500.10
$
5,397.10
$
5,293.07
$
5,188.00
$
5,081.88
$
4,974.70
$
4,866.45
$
4,757.11
$
4,646.69
$
4,535.15
$
4,422.50
$
4,308.73
$
4,193.82
$
4,077.75
$
3,960.53
$
3,842.14
$
3,722.56
$
3,601.78
$
3,479.80
$
3,356.60
$
2,739.71
$
2,116.64
$
1,487.35
$
851.76
$
209.82
$
(438.54)

Credit Card #3
Payments
Remaining
60

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Beginning
Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

12,619.08
12,460.38
12,300.24
12,138.62
11,975.52
11,810.92
11,644.82
11,477.19
11,308.03
11,137.32
10,965.04
10,791.18
10,615.73
10,438.67
10,259.99
10,079.67
9,897.70
9,714.06
9,528.73
9,341.71
9,152.97
8,962.50
8,770.29
8,576.32
8,380.56
8,183.01
7,983.65
7,782.47
7,579.44
7,374.55
7,167.78
6,308.65
5,441.65
4,566.70
3,683.73
2,792.67
1,893.44
985.97
70.17

Additional
Payment Due
Payment
650.46
$
274.37 $
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
924.83
924.83
924.83
924.83
924.83
924.83
924.83
924.83
924.83

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
11.00%
115.67
114.22
112.75
111.27
109.78
108.27
106.74
105.21
103.66
102.09
100.51
98.92
97.31
95.69
94.05
92.40
90.73
89.05
87.35
85.63
83.90
82.16
80.39
78.62
76.82
75.01
73.18
71.34
69.48
67.60
65.70
57.83
49.88
41.86
33.77
25.60
17.36
9.04
0.64

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

158.70
160.15
161.62
163.10
164.59
166.10
167.63
169.16
170.71
172.28
173.86
175.45
177.06
178.68
180.32
181.97
183.64
185.32
187.02
188.74
190.47
192.21
193.98
195.75
197.55
199.36
201.19
203.03
204.89
206.77
859.13
867.00
874.95
882.97
891.06
899.23
907.47
915.79
924.19

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Ending
Balance
12,619.08
12,460.38
12,300.24
12,138.62
11,975.52
11,810.92
11,644.82
11,477.19
11,308.03
11,137.32
10,965.04
10,791.18
10,615.73
10,438.67
10,259.99
10,079.67
9,897.70
9,714.06
9,528.73
9,341.71
9,152.97
8,962.50
8,770.29
8,576.32
8,380.56
8,183.01
7,983.65
7,782.47
7,579.44
7,374.55
7,167.78
6,308.65
5,441.65
4,566.70
3,683.73
2,792.67
1,893.44
985.97
70.17
(854.01)

Credit Union Loan

Payments
Remaining
84

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59

Beginning
Balance

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$19,225.00
19,040.28
18,854.63
18,668.05
18,480.54
18,292.09
18,102.70
17,912.37
17,721.08
17,528.83
17,335.63
17,141.46
16,946.31
16,750.19
16,553.10
16,355.01
16,155.94
15,955.87
15,754.80
15,552.72
15,349.63
15,145.53
14,940.41
14,734.26
14,527.08
14,318.87
14,109.61
13,899.31
13,687.96
13,475.55
13,262.07
13,047.53
12,831.92
12,615.23
12,397.46
12,178.60
11,958.64
11,737.58
11,515.42
11,292.15
10,142.93
8,987.96
7,827.22
6,660.68
5,488.30
4,310.06
3,125.93
1,935.88
739.88

Additional
Payment Due
Payment
$
280.85 $
924.83
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
1,205.68
1,205.68
1,205.68
1,205.68
1,205.68
1,205.68
1,205.68
1,205.68
1,205.68
1,205.68

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
6.00%
96.13
95.20
94.27
93.34
92.40
91.46
90.51
89.56
88.61
87.64
86.68
85.71
84.73
83.75
82.77
81.78
80.78
79.78
78.77
77.76
76.75
75.73
74.70
73.67
72.64
71.59
70.55
69.50
68.44
67.38
66.31
65.24
64.16
63.08
61.99
60.89
59.79
58.69
57.58
56.46
50.71
44.94
39.14
33.30
27.44
21.55
15.63
9.68
3.70

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

184.73
185.65
186.58
187.51
188.45
189.39
190.34
191.29
192.24
193.21
194.17
195.14
196.12
197.10
198.08
199.07
200.07
201.07
202.08
203.09
204.10
205.12
206.15
207.18
208.21
209.26
210.30
211.35
212.41
213.47
214.54
215.61
216.69
217.77
218.86
219.96
221.06
222.16
223.27
1,149.22
1,154.97
1,160.74
1,166.54
1,172.38
1,178.24
1,184.13
1,190.05
1,196.00
1,201.98

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Ending
Balance
19,225.00
19,040.28
18,854.63
18,668.05
18,480.54
18,292.09
18,102.70
17,912.37
17,721.08
17,528.83
17,335.63
17,141.46
16,946.31
16,750.19
16,553.10
16,355.01
16,155.94
15,955.87
15,754.80
15,552.72
15,349.63
15,145.53
14,940.41
14,734.26
14,527.08
14,318.87
14,109.61
13,899.31
13,687.96
13,475.55
13,262.07
13,047.53
12,831.92
12,615.23
12,397.46
12,178.60
11,958.64
11,737.58
11,515.42
11,292.15
10,142.93
8,987.96
7,827.22
6,660.68
5,488.30
4,310.06
3,125.93
1,935.88
739.88
(462.10)

2nd Mortgage
Payments
Remaining
142

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74

Beginning
Balance

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$49,612.40
49,422.34
49,230.79
49,037.71
48,843.10
48,646.96
48,449.26
48,250.00
48,049.16
47,846.73
47,642.69
47,437.04
47,229.77
47,020.85
46,810.28
46,598.04
46,384.12
46,168.51
45,951.19
45,732.15
45,511.37
45,288.85
45,064.57
44,838.51
44,610.66
44,381.01
44,149.54
43,916.24
43,681.09
43,444.08
43,205.19
42,964.41
42,721.72
42,477.12
42,230.57
41,982.08
41,731.62
41,479.17
41,224.73
40,968.27
40,709.78
40,449.25
40,186.65
39,921.98
39,655.21
39,386.32
39,115.31
38,842.16
38,566.84
38,289.34
36,803.96
35,306.83
33,797.84
32,276.90
30,743.93
29,198.82
27,641.48
26,071.80
24,489.71
22,895.08
21,287.84
19,667.86
18,035.07
16,389.35
14,730.60
13,058.71
11,373.59
9,675.13
7,963.23
6,237.77
4,498.65
2,745.77
979.01

Additional
Payment Due
Payment
1,205.68
$
582.82 $
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50
1,788.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
9.50%
392.76
391.26
389.74
388.22
386.67
385.12
383.56
381.98
380.39
378.79
377.17
375.54
373.90
372.25
370.58
368.90
367.21
365.50
363.78
362.05
360.30
358.54
356.76
354.97
353.17
351.35
349.52
347.67
345.81
343.93
342.04
340.13
338.21
336.28
334.33
332.36
330.38
328.38
326.36
324.33
322.29
320.22
318.14
316.05
313.94
311.81
309.66
307.50
305.32
303.12
291.36
279.51
267.57
255.53
243.39
231.16
218.83
206.40
193.88
181.25
168.53
155.70
142.78
129.75
116.62
103.38
90.04
76.59
63.04
49.38
35.61
21.74
7.75

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

190.06
191.56
193.08
194.60
196.15
197.70
199.26
200.84
202.43
204.03
205.65
207.28
208.92
210.57
212.24
213.92
215.61
217.32
219.04
220.77
222.52
224.28
226.06
227.85
229.65
231.47
233.30
235.15
237.01
238.89
240.78
242.69
244.61
246.54
248.49
250.46
252.44
254.44
256.46
258.49
260.53
262.60
264.68
266.77
268.88
271.01
273.16
275.32
277.50
1,485.38
1,497.14
1,508.99
1,520.93
1,532.97
1,545.11
1,557.34
1,569.67
1,582.10
1,594.62
1,607.25
1,619.97
1,632.80
1,645.72
1,658.75
1,671.88
1,685.12
1,698.46
1,711.91
1,725.46
1,739.12
1,752.89
1,766.76
1,780.75

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Ending
Balance
49,612.40
49,422.34
49,230.79
49,037.71
48,843.10
48,646.96
48,449.26
48,250.00
48,049.16
47,846.73
47,642.69
47,437.04
47,229.77
47,020.85
46,810.28
46,598.04
46,384.12
46,168.51
45,951.19
45,732.15
45,511.37
45,288.85
45,064.57
44,838.51
44,610.66
44,381.01
44,149.54
43,916.24
43,681.09
43,444.08
43,205.19
42,964.41
42,721.72
42,477.12
42,230.57
41,982.08
41,731.62
41,479.17
41,224.73
40,968.27
40,709.78
40,449.25
40,186.65
39,921.98
39,655.21
39,386.32
39,115.31
38,842.16
38,566.84
38,289.34
36,803.96
35,306.83
33,797.84
32,276.90
30,743.93
29,198.82
27,641.48
26,071.80
24,489.71
22,895.08
21,287.84
19,667.86
18,035.07
16,389.35
14,730.60
13,058.71
11,373.59
9,675.13
7,963.23
6,237.77
4,498.65
2,745.77
979.01
(801.74)

1st Mortgage
Payments
Remaining
147

Additional
Payment Due
Payment
$
1,149.00 $
1,788.50
Beginning Balance

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$119,412.57
118,860.63
118,305.94
117,748.47
117,188.21
116,625.15
116,059.27
115,490.57
114,919.02
114,344.62
113,767.34
113,187.18
112,604.11
112,018.14
111,429.23
110,837.37
110,242.56
109,644.77
109,044.00
108,440.22
107,833.42
107,223.58
106,610.70
105,994.76
105,375.73
104,753.61
104,128.38
103,500.02
102,868.52
102,233.86
101,596.03
100,955.01
100,310.78
99,663.34
99,012.66
98,358.72
97,701.51
97,041.02
96,377.22
95,710.11
95,039.66
94,365.86
93,688.69
93,008.13
92,324.17
91,636.79
90,945.98
90,251.71
89,553.97
88,852.74
88,148.00
87,439.74
86,727.94
86,012.58
85,293.64
84,571.11
83,844.97
83,115.19
82,381.77
81,644.67
80,903.90
80,159.42
79,411.21
78,659.27
77,903.57
77,144.09
76,380.81
75,613.71
74,842.78
74,067.99
73,289.33
72,506.78
71,720.31
70,929.91
68,347.06
65,751.30
63,142.56
60,520.77
57,885.87
55,237.80
52,576.49
49,901.87
47,213.88
44,512.45
41,797.51
39,069.00
36,326.85
33,570.98
30,801.34
28,017.84
25,220.43
22,409.03
19,583.58
16,744.00
13,890.22
11,022.17
8,139.78
5,242.98
2,331.69

Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
6.00%
597.06
594.30
591.53
588.74
585.94
583.13
580.30
577.45
574.60
571.72
568.84
565.94
563.02
560.09
557.15
554.19
551.21
548.22
545.22
542.20
539.17
536.12
533.05
529.97
526.88
523.77
520.64
517.50
514.34
511.17
507.98
504.78
501.55
498.32
495.06
491.79
488.51
485.21
481.89
478.55
475.20
471.83
468.44
465.04
461.62
458.18
454.73
451.26
447.77
444.26
440.74
437.20
433.64
430.06
426.47
422.86
419.22
415.58
411.91
408.22
404.52
400.80
397.06
393.30
389.52
385.72
381.90
378.07
374.21
370.34
366.45
362.53
358.60
354.65
341.74
328.76
315.71
302.60
289.43
276.19
262.88
249.51
236.07
222.56
208.99
195.35
181.63
167.85
154.01
140.09
126.10
112.05
97.92
83.72
69.45
55.11
40.70
26.21
11.66

Principle
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

551.94
554.70
557.47
560.26
563.06
565.87
568.70
571.55
574.40
577.28
580.16
583.06
585.98
588.91
591.85
594.81
597.79
600.78
603.78
606.80
609.83
612.88
615.95
619.03
622.12
625.23
628.36
631.50
634.66
637.83
641.02
644.22
647.45
650.68
653.94
657.21
660.49
663.79
667.11
670.45
673.80
677.17
680.56
683.96
687.38
690.82
694.27
697.74
701.23
704.74
708.26
711.80
715.36
718.94
722.53
726.14
729.78
733.42
737.09
740.78
744.48
748.20
751.94
755.70
759.48
763.28
767.10
770.93
774.79
778.66
782.55
786.47
790.40
2,582.85
2,595.76
2,608.74
2,621.79
2,634.90
2,648.07
2,661.31
2,674.62
2,687.99
2,701.43
2,714.94
2,728.51
2,742.15
2,755.87
2,769.65
2,783.49
2,797.41
2,811.40
2,825.45
2,839.58
2,853.78
2,868.05
2,882.39
2,896.80
2,911.29
2,925.84

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Ending
Balance
119,412.57
118,860.63
118,305.94
117,748.47
117,188.21
116,625.15
116,059.27
115,490.57
114,919.02
114,344.62
113,767.34
113,187.18
112,604.11
112,018.14
111,429.23
110,837.37
110,242.56
109,644.77
109,044.00
108,440.22
107,833.42
107,223.58
106,610.70
105,994.76
105,375.73
104,753.61
104,128.38
103,500.02
102,868.52
102,233.86
101,596.03
100,955.01
100,310.78
99,663.34
99,012.66
98,358.72
97,701.51
97,041.02
96,377.22
95,710.11
95,039.66
94,365.86
93,688.69
93,008.13
92,324.17
91,636.79
90,945.98
90,251.71
89,553.97
88,852.74
88,148.00
87,439.74
86,727.94
86,012.58
85,293.64
84,571.11
83,844.97
83,115.19
82,381.77
81,644.67
80,903.90
80,159.42
79,411.21
78,659.27
77,903.57
77,144.09
76,380.81
75,613.71
74,842.78
74,067.99
73,289.33
72,506.78
71,720.31
70,929.91
68,347.06
65,751.30
63,142.56
60,520.77
57,885.87
55,237.80
52,576.49
49,901.87
47,213.88
44,512.45
41,797.51
39,069.00
36,326.85
33,570.98
30,801.34
28,017.84
25,220.43
22,409.03
19,583.58
16,744.00
13,890.22
11,022.17
8,139.78
5,242.98
2,331.69
(594.15)

Retirement Plan
Assume a 10% return on investment per year.
HINT: Dont forget the Companies contribution to Brother Hopeful's 401K even when he cannot c
Total In Retirement Account

Company Contributed 401K

Assumed Return

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33

10%

Beginning
Interest
Balance
Investment
Earned
1.25
$ 150.00 $
$
$
151.25 $ 150.00 $
2.51
$
303.76 $ 150.00 $
3.78
$
457.54 $ 150.00 $
5.06
$
612.60 $ 150.00 $
6.36
$
768.96 $ 150.00 $
7.66
$
926.62 $ 150.00 $
8.97
$
1,085.59 $ 150.00 $
10.30
$
1,245.89 $ 150.00 $
11.63
$
1,407.52 $ 150.00 $
12.98
$
1,570.50 $ 150.00 $
14.34
$
1,734.84 $ 150.00 $
15.71
17.09
$
1,900.54 $ 150.00 $
$
2,067.63 $ 150.00 $
18.48
$
2,236.11 $ 150.00 $
19.88
21.30
$
2,405.99 $ 150.00 $
$
2,577.29 $ 150.00 $
22.73
$
2,750.02 $ 150.00 $
24.17
$
2,924.19 $ 150.00 $
25.62
$
3,099.81 $ 150.00 $
27.08
$
3,276.89 $ 150.00 $
28.56
$
3,455.45 $ 150.00 $
30.05
$
3,635.49 $ 150.00 $
31.55
$
3,817.04 $ 150.00 $
33.06
$
4,000.10 $ 150.00 $
34.58
$
4,184.68 $ 150.00 $
36.12
$
4,370.80 $ 150.00 $
37.67
$
4,558.48 $ 150.00 $
39.24
$
4,747.71 $ 150.00 $
40.81
$
4,938.53 $ 150.00 $
42.40
$
5,130.93 $ 150.00 $
44.01
$
5,324.94 $ 150.00 $
45.62
$
5,520.56 $ 150.00 $
47.25

Ending Balance
$
151.25
$
303.76
$
457.54
$
612.60
$
768.96
$
926.62
$
1,085.59
$
1,245.89
$
1,407.52
$
1,570.50
$
1,734.84
$
1,900.54
$
2,067.63
$
2,236.11
$
2,405.99
$
2,577.29
$
2,750.02
$
2,924.19
$
3,099.81
$
3,276.89
$
3,455.45
$
3,635.49
$
3,817.04
$
4,000.10
$
4,184.68
$
4,370.80
$
4,558.48
$
4,747.71
$
4,938.53
$
5,130.93
$
5,324.94
$
5,520.56
$
5,717.82

34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

5,717.82
5,916.72
6,117.27
6,319.50
6,523.41
6,729.02
6,936.35
7,145.40
7,356.20
7,568.75
7,783.07
7,999.18
8,217.09
8,436.82
8,658.37
8,881.78
9,107.04
9,334.18
9,563.22
9,794.16
10,027.03
10,261.84
10,498.60
10,737.34
10,978.07
11,220.80
11,465.56
11,712.36
11,961.21
12,212.14
12,465.15
12,720.28
12,977.53
13,236.93
13,498.49
13,762.22
14,028.16
14,296.31
14,566.70
14,839.34
15,114.25
15,391.45
15,670.96
15,952.80
16,236.99
16,523.55
16,812.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

48.90
50.56
52.23
53.91
55.61
57.33
59.05
60.80
62.55
64.32
66.11
67.91
69.73
71.56
73.40
75.26
77.14
79.03
80.94
82.87
84.81
86.77
88.74
90.73
92.73
94.76
96.80
98.85
100.93
103.02
105.13
107.25
109.40
111.56
113.74
115.94
118.15
120.39
122.64
124.91
127.20
129.51
131.84
134.19
136.56
138.95
141.35

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

5,916.72
6,117.27
6,319.50
6,523.41
6,729.02
6,936.35
7,145.40
7,356.20
7,568.75
7,783.07
7,999.18
8,217.09
8,436.82
8,658.37
8,881.78
9,107.04
9,334.18
9,563.22
9,794.16
10,027.03
10,261.84
10,498.60
10,737.34
10,978.07
11,220.80
11,465.56
11,712.36
11,961.21
12,212.14
12,465.15
12,720.28
12,977.53
13,236.93
13,498.49
13,762.22
14,028.16
14,296.31
14,566.70
14,839.34
15,114.25
15,391.45
15,670.96
15,952.80
16,236.99
16,523.55
16,812.50
17,103.85

81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

17,103.85
17,397.63
17,693.86
17,992.56
18,293.75
18,597.45
18,903.68
19,212.46
19,523.81
19,837.76
20,154.32
20,473.53
20,795.39
21,119.94
21,447.18
21,777.16
22,109.89
22,445.39
22,783.68
23,124.80
23,468.75
23,815.58
24,165.29
24,517.92
24,873.48
25,232.01
25,593.53
25,958.06
26,325.62
26,696.25
27,069.97
27,446.81
27,826.78
28,209.92
28,596.25
28,985.80
29,378.60
29,774.67
30,174.05
30,576.75
30,982.80
31,392.24
31,805.10
32,221.39
32,641.15
33,064.41
33,491.20

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

143.78
146.23
148.70
151.19
153.70
156.23
158.78
161.35
163.95
166.56
169.20
171.86
174.54
177.25
179.98
182.73
185.50
188.29
191.11
193.96
196.82
199.71
202.63
205.57
208.53
211.52
214.53
217.57
220.63
223.72
226.83
229.97
233.14
236.33
239.55
242.80
246.07
249.37
252.70
256.06
259.44
262.85
266.29
269.76
273.26
276.79
280.34

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

17,397.63
17,693.86
17,992.56
18,293.75
18,597.45
18,903.68
19,212.46
19,523.81
19,837.76
20,154.32
20,473.53
20,795.39
21,119.94
21,447.18
21,777.16
22,109.89
22,445.39
22,783.68
23,124.80
23,468.75
23,815.58
24,165.29
24,517.92
24,873.48
25,232.01
25,593.53
25,958.06
26,325.62
26,696.25
27,069.97
27,446.81
27,826.78
28,209.92
28,596.25
28,985.80
29,378.60
29,774.67
30,174.05
30,576.75
30,982.80
31,392.24
31,805.10
32,221.39
32,641.15
33,064.41
33,491.20
33,921.54

128
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173
174

$
$
$
$
$
$
$
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$
$
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$
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$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

33,921.54
34,355.47
34,793.01
35,234.21
35,679.07
36,127.65
36,579.96
37,036.05
37,495.93
37,959.65
38,427.23
38,898.70
39,374.11
39,853.48
40,336.84
40,824.23
41,315.68
41,811.23
42,310.91
42,814.75
43,322.79
43,835.06
44,351.60
44,872.45
45,397.64
45,927.20
46,461.18
46,999.60
47,542.52
48,089.95
48,641.95
49,198.55
49,759.79
50,325.71
50,896.34
51,471.72
52,051.90
52,636.92
53,226.81
53,821.62
54,421.38
55,026.14
55,635.94
56,250.83
56,870.83
57,496.01
58,126.39

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

283.93
287.55
291.19
294.87
298.58
302.31
306.08
309.88
313.72
317.58
321.48
325.41
329.37
333.36
337.39
341.45
345.55
349.68
353.84
358.04
362.27
366.54
370.85
375.19
379.56
383.98
388.43
392.91
397.44
402.00
406.60
411.24
415.91
420.63
425.39
430.18
435.02
439.89
444.81
449.76
454.76
459.80
464.88
470.01
475.17
480.38
485.64

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

34,355.47
34,793.01
35,234.21
35,679.07
36,127.65
36,579.96
37,036.05
37,495.93
37,959.65
38,427.23
38,898.70
39,374.11
39,853.48
40,336.84
40,824.23
41,315.68
41,811.23
42,310.91
42,814.75
43,322.79
43,835.06
44,351.60
44,872.45
45,397.64
45,927.20
46,461.18
46,999.60
47,542.52
48,089.95
48,641.95
49,198.55
49,759.79
50,325.71
50,896.34
51,471.72
52,051.90
52,636.92
53,226.81
53,821.62
54,421.38
55,026.14
55,635.94
56,250.83
56,870.83
57,496.01
58,126.39
58,762.03

175
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220
221

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

58,762.03
59,402.96
60,049.23
60,700.89
61,357.99
62,020.55
62,688.64
63,362.30
64,041.56
64,726.49
65,417.13
66,113.52
66,815.72
67,523.77
68,237.72
68,957.61
69,683.51
70,415.46
71,153.50
71,897.70
72,648.10
73,404.75
74,167.70
74,937.02
75,712.74
76,494.93
77,283.64
78,078.92
78,880.83
79,689.42
80,504.75
81,326.87
82,155.84
82,991.72
83,834.57
84,684.44
85,541.40
86,405.49
87,276.79
88,155.34
89,041.22
89,934.48
90,835.19
91,743.40
92,659.17
93,582.58
94,513.69

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

490.93
496.27
501.66
507.09
512.57
518.09
523.66
529.27
534.93
540.64
546.39
552.20
558.05
563.95
569.90
575.90
581.95
588.05
594.20
600.40
606.65
612.96
619.31
625.73
632.19
638.71
645.28
651.91
658.59
665.33
672.12
678.97
685.88
692.85
699.87
706.95
714.09
721.30
728.56
735.88
743.26
750.70
758.21
765.78
773.41
781.10
788.86

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

59,402.96
60,049.23
60,700.89
61,357.99
62,020.55
62,688.64
63,362.30
64,041.56
64,726.49
65,417.13
66,113.52
66,815.72
67,523.77
68,237.72
68,957.61
69,683.51
70,415.46
71,153.50
71,897.70
72,648.10
73,404.75
74,167.70
74,937.02
75,712.74
76,494.93
77,283.64
78,078.92
78,880.83
79,689.42
80,504.75
81,326.87
82,155.84
82,991.72
83,834.57
84,684.44
85,541.40
86,405.49
87,276.79
88,155.34
89,041.22
89,934.48
90,835.19
91,743.40
92,659.17
93,582.58
94,513.69
95,452.55

222
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248
249
250
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252
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254
255
256
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258
259
260
261
262
263
264
265
266
267
268

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

95,452.55
96,399.24
97,353.82
98,316.35
99,286.90
100,265.54
101,252.34
102,247.36
103,250.67
104,262.34
105,282.45
106,311.05
107,348.23
108,394.04
109,448.58
110,511.90
111,584.08
112,665.20
113,755.33
114,854.54
115,962.91
117,080.52
118,207.44
119,343.75
120,489.53
121,644.86
122,809.82
123,984.48
125,168.94
126,363.26
127,567.54
128,781.85
130,006.28
131,240.92
132,485.84
133,741.14
135,006.90
136,283.21
137,570.15
138,867.82
140,176.30
141,495.69
142,826.07
144,167.53
145,520.18
146,884.10
148,259.38

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

796.69
804.58
812.53
820.55
828.64
836.80
845.02
853.31
861.67
870.10
878.60
887.18
895.82
904.53
913.32
922.18
931.12
940.13
949.21
958.37
967.61
976.92
986.31
995.78
1,005.33
1,014.96
1,024.67
1,034.45
1,044.32
1,054.28
1,064.31
1,074.43
1,084.64
1,094.92
1,105.30
1,115.76
1,126.31
1,136.94
1,147.67
1,158.48
1,169.39
1,180.38
1,191.47
1,202.65
1,213.92
1,225.28
1,236.74

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

96,399.24
97,353.82
98,316.35
99,286.90
100,265.54
101,252.34
102,247.36
103,250.67
104,262.34
105,282.45
106,311.05
107,348.23
108,394.04
109,448.58
110,511.90
111,584.08
112,665.20
113,755.33
114,854.54
115,962.91
117,080.52
118,207.44
119,343.75
120,489.53
121,644.86
122,809.82
123,984.48
125,168.94
126,363.26
127,567.54
128,781.85
130,006.28
131,240.92
132,485.84
133,741.14
135,006.90
136,283.21
137,570.15
138,867.82
140,176.30
141,495.69
142,826.07
144,167.53
145,520.18
146,884.10
148,259.38
149,646.13

269
270
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273
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275
276
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278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

149,646.13
151,044.43
152,454.38
153,876.09
155,309.64
156,755.13
158,212.68
159,682.36
161,164.30
162,658.59
164,165.33
165,684.62
167,216.57
168,761.30
170,318.89
171,889.46
173,473.13
175,069.99
176,680.15
178,303.74
179,940.85
181,591.61
183,256.12
184,934.51
186,626.88
188,333.35
190,054.05
191,789.08
193,538.57
195,302.64
197,081.42
198,875.01
200,683.55
202,507.17
204,345.97
206,200.11
208,069.69
209,954.86
211,855.73
213,772.44
215,705.13
217,653.92
219,618.96
221,600.36
223,598.28
225,612.85
227,644.21

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,248.30
1,259.95
1,271.70
1,283.55
1,295.50
1,307.54
1,319.69
1,331.94
1,344.29
1,356.74
1,369.29
1,381.96
1,394.72
1,407.59
1,420.57
1,433.66
1,446.86
1,460.17
1,473.58
1,487.11
1,500.76
1,514.51
1,528.38
1,542.37
1,556.47
1,570.69
1,585.03
1,599.49
1,614.07
1,628.77
1,643.60
1,658.54
1,673.61
1,688.81
1,704.13
1,719.58
1,735.16
1,750.87
1,766.71
1,782.69
1,798.79
1,815.03
1,831.41
1,847.92
1,864.57
1,881.36
1,898.29

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

151,044.43
152,454.38
153,876.09
155,309.64
156,755.13
158,212.68
159,682.36
161,164.30
162,658.59
164,165.33
165,684.62
167,216.57
168,761.30
170,318.89
171,889.46
173,473.13
175,069.99
176,680.15
178,303.74
179,940.85
181,591.61
183,256.12
184,934.51
186,626.88
188,333.35
190,054.05
191,789.08
193,538.57
195,302.64
197,081.42
198,875.01
200,683.55
202,507.17
204,345.97
206,200.11
208,069.69
209,954.86
211,855.73
213,772.44
215,705.13
217,653.92
219,618.96
221,600.36
223,598.28
225,612.85
227,644.21
229,692.50

316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

229,692.50
231,757.85
233,840.42
235,940.34
238,057.76
240,192.82
242,345.68
244,516.47
246,705.36
248,912.49
251,138.01
253,382.08
255,644.84
257,926.47
260,227.10
262,546.91
264,886.06
267,244.69
269,622.98
272,021.09
274,439.18
276,877.42
279,335.98
281,815.03
284,314.74
286,835.28
289,376.83
291,939.55
294,523.63
297,129.24
299,756.57
302,405.79
305,077.09
307,770.65
310,486.65
313,225.29
315,986.75
318,771.23
321,578.90
324,409.98
327,264.64
330,143.10
333,045.54
335,972.17
338,923.19

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00
150.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,915.35
1,932.57
1,949.92
1,967.42
1,985.06
2,002.86
2,020.80
2,038.89
2,057.13
2,075.52
2,094.07
2,112.77
2,131.62
2,150.64
2,169.81
2,189.14
2,208.63
2,228.29
2,248.11
2,268.09
2,288.24
2,308.56
2,329.05
2,349.71
2,370.54
2,391.54
2,412.72
2,434.08
2,455.61
2,477.33
2,499.22
2,521.30
2,543.56
2,566.01
2,588.64
2,611.46
2,634.47
2,657.68
2,681.07
2,704.67
2,728.46
2,752.44
2,776.63
2,801.02
2,825.61

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

231,757.85
233,840.42
235,940.34
238,057.76
240,192.82
242,345.68
244,516.47
246,705.36
248,912.49
251,138.01
253,382.08
255,644.84
257,926.47
260,227.10
262,546.91
264,886.06
267,244.69
269,622.98
272,021.09
274,439.18
276,877.42
279,335.98
281,815.03
284,314.74
286,835.28
289,376.83
291,939.55
294,523.63
297,129.24
299,756.57
302,405.79
305,077.09
307,770.65
310,486.65
313,225.29
315,986.75
318,771.23
321,578.90
324,409.98
327,264.64
330,143.10
333,045.54
335,972.17
338,923.19
341,898.80

contribute. Also, they cannot save for retirement until they are out of debt.
$

3,087,018.01

Personal Retirement Savings

Assumed Return

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Beginning
Balance
-

10%

Investment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
Earned
-

Ending Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,961.98
5,948.64
8,960.19
11,996.84
15,058.79
18,146.26
21,259.46
24,398.60
27,563.90
30,755.58
33,973.86
37,218.95
40,491.09
43,790.49
47,117.39
50,472.02
53,854.60
57,265.36
60,704.55
64,172.40
67,669.15
71,195.04
74,750.31
78,335.21
81,949.98
85,594.88
89,270.15

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

24.48
49.16
74.05
99.15
124.45
149.97
175.70
201.64
227.80
254.18
280.78
307.59
334.64
361.90
389.40
417.12
445.08
473.27
501.69
530.35
559.25
588.39
617.77
647.40
677.27
707.40
737.77
768.40

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,961.98
5,948.64
8,960.19
11,996.84
15,058.79
18,146.26
21,259.46
24,398.60
27,563.90
30,755.58
33,973.86
37,218.95
40,491.09
43,790.49
47,117.39
50,472.02
53,854.60
57,265.36
60,704.55
64,172.40
67,669.15
71,195.04
74,750.31
78,335.21
81,949.98
85,594.88
89,270.15
92,976.05

128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

92,976.05
96,712.83
100,480.75
104,280.07
108,111.04
111,973.95
115,869.04
119,796.60
123,756.88
127,750.17
131,776.73
135,836.85
139,930.81
144,058.87
148,221.34
152,418.50
156,650.64
160,918.04
165,221.00
169,559.82
173,934.80
178,346.23
182,794.43
187,279.70
191,802.34
196,362.67
200,961.01
205,597.66
210,272.95
214,987.21
219,740.75
224,533.90
229,366.99
234,240.37
239,154.35
244,109.28
249,105.50
254,143.36
259,223.20
264,345.37
269,510.23
274,718.13
279,969.43
285,264.48
290,603.67
295,987.34
301,415.88

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

799.28
830.42
861.82
893.48
925.40
957.60
990.05
1,022.78
1,055.79
1,089.06
1,122.62
1,156.45
1,190.57
1,224.97
1,259.66
1,294.63
1,329.90
1,365.46
1,401.32
1,437.48
1,473.94
1,510.70
1,547.77
1,585.14
1,622.83
1,660.83
1,699.15
1,737.79
1,776.75
1,816.04
1,855.65
1,895.59
1,935.87
1,976.48
2,017.43
2,058.72
2,100.36
2,142.34
2,184.67
2,227.36
2,270.40
2,313.80
2,357.56
2,401.68
2,446.18
2,491.04
2,536.28

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

96,712.83
100,480.75
104,280.07
108,111.04
111,973.95
115,869.04
119,796.60
123,756.88
127,750.17
131,776.73
135,836.85
139,930.81
144,058.87
148,221.34
152,418.50
156,650.64
160,918.04
165,221.00
169,559.82
173,934.80
178,346.23
182,794.43
187,279.70
191,802.34
196,362.67
200,961.01
205,597.66
210,272.95
214,987.21
219,740.75
224,533.90
229,366.99
234,240.37
239,154.35
244,109.28
249,105.50
254,143.36
259,223.20
264,345.37
269,510.23
274,718.13
279,969.43
285,264.48
290,603.67
295,987.34
301,415.88
306,889.66

175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

306,889.66
312,409.05
317,974.44
323,586.21
329,244.74
334,950.43
340,703.66
346,504.83
352,354.35
358,252.62
364,200.04
370,197.02
376,243.97
382,341.32
388,489.47
394,688.86
400,939.92
407,243.06
413,598.73
420,007.37
426,469.41
432,985.30
439,555.49
446,180.43
452,860.58
459,596.40
466,388.35
473,236.90
480,142.52
487,105.68
494,126.88
501,206.58
508,345.28
515,543.47
522,801.65
530,120.31
537,499.95
544,941.10
552,444.25
560,009.94
567,638.66
575,330.97
583,087.37
590,908.41
598,794.63
606,746.56
614,764.76

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,581.89
2,627.89
2,674.27
2,721.03
2,768.19
2,815.73
2,863.68
2,912.02
2,960.77
3,009.92
3,059.48
3,109.45
3,159.85
3,210.66
3,261.89
3,313.55
3,365.65
3,418.17
3,471.14
3,524.54
3,578.39
3,632.69
3,687.44
3,742.65
3,798.32
3,854.45
3,911.05
3,968.12
4,025.67
4,083.69
4,142.20
4,201.20
4,260.69
4,320.67
4,381.16
4,442.15
4,503.65
4,565.65
4,628.18
4,691.23
4,754.80
4,818.90
4,883.54
4,948.72
5,014.43
5,080.70
5,147.52

$
$
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$
$
$

312,409.05
317,974.44
323,586.21
329,244.74
334,950.43
340,703.66
346,504.83
352,354.35
358,252.62
364,200.04
370,197.02
376,243.97
382,341.32
388,489.47
394,688.86
400,939.92
407,243.06
413,598.73
420,007.37
426,469.41
432,985.30
439,555.49
446,180.43
452,860.58
459,596.40
466,388.35
473,236.90
480,142.52
487,105.68
494,126.88
501,206.58
508,345.28
515,543.47
522,801.65
530,120.31
537,499.95
544,941.10
552,444.25
560,009.94
567,638.66
575,330.97
583,087.37
590,908.41
598,794.63
606,746.56
614,764.76
622,849.78

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$ 622,849.78
$ 631,002.17
$ 639,222.50
$ 647,511.34
$ 655,869.24
$ 664,296.80
$ 672,794.59
$ 681,363.19
$ 690,003.19
$ 698,715.20
$ 707,499.80
$ 716,357.62
$ 725,289.24
$ 734,295.30
$ 743,376.40
$ 752,533.19
$ 761,766.28
$ 771,076.31
$ 780,463.92
$ 789,929.77
$ 799,474.49
$ 809,098.76
$ 818,803.23
$ 828,588.57
$ 838,455.45
$ 848,404.56
$ 858,436.58
$ 868,552.20
$ 878,752.11
$ 889,037.02
$ 899,407.64
$ 909,864.69
$ 920,408.87
$ 931,040.93
$ 941,761.58
$ 952,571.57
$ 963,471.65
$ 974,462.56
$ 985,545.06
$ 996,719.91
$ 1,007,987.89
$ 1,019,349.77
$ 1,030,806.33
$ 1,042,358.36
$ 1,054,006.66
$ 1,065,752.03
$ 1,077,595.27

$
$
$
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$

2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50

$
$
$
$
$
$
$
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$
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$
$
$
$
$
$
$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

5,214.89
5,282.83
5,351.33
5,420.41
5,490.06
5,560.29
5,631.10
5,702.51
5,774.51
5,847.11
5,920.31
5,994.13
6,068.56
6,143.61
6,219.28
6,295.59
6,372.53
6,450.12
6,528.35
6,607.23
6,686.77
6,766.97
6,847.84
6,929.38
7,011.61
7,094.52
7,178.12
7,262.41
7,347.41
7,433.12
7,519.54
7,606.68
7,694.55
7,783.15
7,872.49
7,962.58
8,053.41
8,145.00
8,237.35
8,330.48
8,424.38
8,519.06
8,614.53
8,710.80
8,807.87
8,905.75
9,004.44

$
$
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$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

631,002.17
639,222.50
647,511.34
655,869.24
664,296.80
672,794.59
681,363.19
690,003.19
698,715.20
707,499.80
716,357.62
725,289.24
734,295.30
743,376.40
752,533.19
761,766.28
771,076.31
780,463.92
789,929.77
799,474.49
809,098.76
818,803.23
828,588.57
838,455.45
848,404.56
858,436.58
868,552.20
878,752.11
889,037.02
899,407.64
909,864.69
920,408.87
931,040.93
941,761.58
952,571.57
963,471.65
974,462.56
985,545.06
996,719.91
1,007,987.89
1,019,349.77
1,030,806.33
1,042,358.36
1,054,006.66
1,065,752.03
1,077,595.27
1,089,537.21

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$ 1,089,537.21
$ 1,101,578.67
$ 1,113,720.47
$ 1,125,963.45
$ 1,138,308.46
$ 1,150,756.34
$ 1,163,307.96
$ 1,175,964.17
$ 1,188,725.85
$ 1,201,593.88
$ 1,214,569.14
$ 1,227,652.53
$ 1,240,844.95
$ 1,254,147.30
$ 1,267,560.51
$ 1,281,085.49
$ 1,294,723.18
$ 1,308,474.52
$ 1,322,340.46
$ 1,336,321.94
$ 1,350,419.93
$ 1,364,635.41
$ 1,378,969.35
$ 1,393,422.74
$ 1,407,996.58
$ 1,422,691.86
$ 1,437,509.61
$ 1,452,450.83
$ 1,467,516.57
$ 1,482,707.85
$ 1,498,025.73
$ 1,513,471.26
$ 1,529,045.50
$ 1,544,749.52
$ 1,560,584.42
$ 1,576,551.26
$ 1,592,651.17
$ 1,608,885.24
$ 1,625,254.60
$ 1,641,760.37
$ 1,658,403.68
$ 1,675,185.69
$ 1,692,107.55
$ 1,709,170.43
$ 1,726,375.49
$ 1,743,723.94
$ 1,761,216.95

$
$
$
$
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$
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$
$
$

2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
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$
$
$
$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$

9,103.96
9,204.30
9,305.48
9,407.51
9,510.38
9,614.12
9,718.71
9,824.18
9,930.53
10,037.76
10,145.89
10,254.92
10,364.85
10,475.71
10,587.48
10,700.19
10,813.84
10,928.43
11,043.98
11,160.50
11,277.98
11,396.44
11,515.89
11,636.34
11,757.78
11,880.24
12,003.73
12,128.24
12,253.78
12,380.38
12,508.03
12,636.74
12,766.52
12,897.39
13,029.35
13,162.41
13,296.57
13,431.86
13,568.27
13,705.82
13,844.51
13,984.36
14,125.38
14,267.57
14,410.94
14,555.51
14,701.29

$
$
$
$
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$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,101,578.67
1,113,720.47
1,125,963.45
1,138,308.46
1,150,756.34
1,163,307.96
1,175,964.17
1,188,725.85
1,201,593.88
1,214,569.14
1,227,652.53
1,240,844.95
1,254,147.30
1,267,560.51
1,281,085.49
1,294,723.18
1,308,474.52
1,322,340.46
1,336,321.94
1,350,419.93
1,364,635.41
1,378,969.35
1,393,422.74
1,407,996.58
1,422,691.86
1,437,509.61
1,452,450.83
1,467,516.57
1,482,707.85
1,498,025.73
1,513,471.26
1,529,045.50
1,544,749.52
1,560,584.42
1,576,551.26
1,592,651.17
1,608,885.24
1,625,254.60
1,641,760.37
1,658,403.68
1,675,185.69
1,692,107.55
1,709,170.43
1,726,375.49
1,743,723.94
1,761,216.95
1,778,855.73

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$ 1,778,855.73
$ 1,796,641.51
$ 1,814,575.50
$ 1,832,658.94
$ 1,850,893.08
$ 1,869,279.17
$ 1,887,818.48
$ 1,906,512.28
$ 1,925,361.86
$ 1,944,368.52
$ 1,963,533.57
$ 1,982,858.33
$ 2,002,344.13
$ 2,021,992.31
$ 2,041,804.22
$ 2,061,781.24
$ 2,081,924.72
$ 2,102,236.08
$ 2,122,716.69
$ 2,143,367.97
$ 2,164,191.35
$ 2,185,188.26
$ 2,206,360.14
$ 2,227,708.46
$ 2,249,234.67
$ 2,270,940.27
$ 2,292,826.75
$ 2,314,895.62
$ 2,337,148.40
$ 2,359,586.62
$ 2,382,211.82
$ 2,405,025.56
$ 2,428,029.42
$ 2,451,224.98
$ 2,474,613.83
$ 2,498,197.59
$ 2,521,977.88
$ 2,545,956.35
$ 2,570,134.63
$ 2,594,514.40
$ 2,619,097.33
$ 2,643,885.12
$ 2,668,879.47
$ 2,694,082.12
$ 2,719,494.78

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50
2,937.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

14,848.28
14,996.49
15,145.94
15,296.64
15,448.59
15,601.81
15,756.30
15,912.08
16,069.16
16,227.55
16,387.26
16,548.30
16,710.68
16,874.42
17,039.51
17,205.99
17,373.85
17,543.11
17,713.78
17,885.88
18,059.41
18,234.38
18,410.81
18,588.72
18,768.10
18,948.98
19,131.37
19,315.28
19,500.72
19,687.70
19,876.24
20,066.36
20,258.06
20,451.35
20,646.26
20,842.79
21,040.96
21,240.78
21,442.27
21,645.43
21,850.29
22,056.86
22,265.14
22,475.16
22,686.94

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,796,641.51
1,814,575.50
1,832,658.94
1,850,893.08
1,869,279.17
1,887,818.48
1,906,512.28
1,925,361.86
1,944,368.52
1,963,533.57
1,982,858.33
2,002,344.13
2,021,992.31
2,041,804.22
2,061,781.24
2,081,924.72
2,102,236.08
2,122,716.69
2,143,367.97
2,164,191.35
2,185,188.26
2,206,360.14
2,227,708.46
2,249,234.67
2,270,940.27
2,292,826.75
2,314,895.62
2,337,148.40
2,359,586.62
2,382,211.82
2,405,025.56
2,428,029.42
2,451,224.98
2,474,613.83
2,498,197.59
2,521,977.88
2,545,956.35
2,570,134.63
2,594,514.40
2,619,097.33
2,643,885.12
2,668,879.47
2,694,082.12
2,719,494.78
2,745,119.21