Hi @Daniel Z Fang, my initial judgement was that "something must be bloated in these numbers" but having run through the list of charges the only thing that seems askew is the $300 lock charge.

If I do X, then in Y years, Z will occur, and we're 85% sure of that outcome, based on the model"There are definitely times a model has been incorrect (it predicted something, but the real outcome was different)...but, even when a model is wrong, it teaches you something--and with that info, you can make even better models.Another drawback of building the models myself is that it took a lot of time--I probably could have saved time by adapting an existing model...I initially tried to adapt some existing models I found online, but they weren't easily adaptable to my specific circumstances/variables/goals/usage--which is why I ended up building my own models...

I basically do what @Jane Z. does as well.

So the net equation is = z ya later.

Did you consider QBI (do you have line 20, code Z completed correctly)?

Our average Gen Z employee here has given up on assuming a house but will put a $5,000 Bora Bora trip on her credit card.

Navy Federal, PenFed, Nasa FCU.Check any of the credit unions.Stephanie@Ilya Z.

It varies from state to state and area to area pretty drastically. https://www.zillow.com/z/zestimate/It's generally in the ballpark, but sometimes way off. 

Have not thought about that @Tracy Z.

The sage Jay Z has it right "Mo Money Mo problems."