Appendix B
Cash Flow Versus Expenses
Do you know what your expenses are? What they will be? And how they stack up against your cash flow—current or projected? This brief guide can get you started. And it’s just a guide—feel free to add, amend, blow it up or use something wholly different. You can also use this to project how much cash flow you’ll need your portfolio to provide—now or in the future.
Table B.1 Cash Flows—Current or Projected
| Income source | Amount |
| Salary | $_________ |
| Pension | $_________ |
| Pension survivor benefit | $_________ |
| Social Security | $_________ |
| Business income | $_________ |
| Cash flow from investments | |
| Portfolio cash flow | $_________ |
| Real estate | $_________ |
| Other | $_________ |
| TOTAL CASH FLOW | $_________ |
Table B.2 Expenses—Current or Projected
| Basic Living Expenses | Amount | |
| Housing | ||
| Primary property | $_________ | |
| Mortgage, insurance and property insurance | $_________ | |
| Home upkeep | $_________ | |
| Lawn maintenance | $_________ | |
| Rental/Second/Investment property | ||
| Mortgage, insurance and property insurance | $_________ | |
| Home upkeep | $_________ | |
| Lawn maintenance | $_________ | |
| Insurance premiums | ||
| Medical | $_________ | |
| Auto | $_________ | |
| Life | $_________ | |
| Annuities | $_________ | |
| Long-term care | $_________ | |
| Other | $_________ | |
| Car | ||
| Payments | $_________ | |
| Gasoline | $_________ | |
| Maintenance | $_________ | |
| Groceries | $_________ | |
| Clothing | ||
| His | $_________ | |
| Hers | $_________ | |
| Kids | $_________ | |
| Utilities | ||
| Natural gas/heating | $_________ | |
| Electric | $_________ | |
| Cable | $_________ | |
| Landline | $_________ | |
| Cell phones | $_________ | |
| Fax | $_________ | |
| Health care | ||
| Co-pays | $_________ | |
| Medication | $_________ | |
| Vision | $_________ | |
| Dental | $_________ | |
| Taxes | $_________ | |
| Revolving debt payments | $_________ | |
| Total basic | $_________ | |
| Discretionary | ||
| Entertainment | ||
| Dining out | $_________ | |
| Movie/Theater | $_________ | |
| Other | $_________ | |
| Hobbies (golf, etc.) | $_________ | |
| Vacations | $_________ | |
| Gifts | $_________ | |
| Charitable giving | $_________ | |
| Total discretionary | $_________ | |
| TOTAL EXPENSES | $_________ |