Several threads recently have dealt with cash flow in one way or another.
e.g. those about the stock market decline and the threats to ER (cash flow planning might have helped to avoid the threat
Question On Retiring & Living Off Investments
In my way of thinking these are cash flow questions. It is a very important aspect to the ER discussion but not addressed in most places. Having worked in finance cash flow has always been a factor in my finances.
Should there be a Firecalc type program that helps people with cashflow?
I have a spread sheet that computes my cash flow for about 35 years.
Annual Estimated expense budget reduced by the following income in the following order until income equals expenses:
1. net earned income
2. social security
3. pension etc
4. Income from cash equivalent investments - holding for future years
expense budget - 4 years? - replenished annually.
5. Income from taxable investments
selling of taxable investments
6. Income from tax sheltered investments
selling of tax sheltered investment
The income and selling of tax sheltered should be done according to tax requirements and to reduce taxes; if possible.
Does anyone else estimate their cash flow requirements?