Copyright 2014
Arrow Publications
ARROW PUBLICATIONS


                        
                       

    
"Books
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FINDING FINANCIAL FREEDOM

SAMPLE PLAN

The following shows five years of the more than sixty years of data for the completed multi-year lifetime sample cash flow worksheet and net worth worksheet that is discussed in the book. The worksheets can be used for any plan, from the simplest to the most involved.
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PLANNING YEAR ENDED ---------------------->
AGE DURING PLANNING YEAR:  BEN
AGE DURING PLANNING YEAR:  VERA

                   CASH FLOW STATEMENT
SOURCES OF INCOME:
TAXABLE INCOME:
  401(K)/403(B) WITHDRAWALS (FIRST INCOME)
  401(K)/403(B) WITHDRAWALS (SECOND INCOME)
  DIVIDENDS
  INCOME ON CUMULATIVE CASH FLOW
  IRA WITHDRAWALS (TRADITIONAL IRA)
  NET BUSINESS INCOME/LOSS
  SALARY/WAGES/TIPS (FIRST INCOME)
  SALARY/WAGES/TIPS (SECOND INCOME)
  SOCIAL SECURITY
  TAXABLE SECURITIES INTEREST
  VACATION PROPERTY RENTAL
  SALE OF VACATION PROPERTY
  OTHER TAXABLE SOURCE #3
  TOTAL TAXABLE INCOME
NON-TAXABLE INCOME:
  CREDIT CARD CASH ADVANCES
  EDUCATION FUND WITHDRAWALS
  EQUITY SECURITIES  WITHDRAWALS
  GIFTS RECEIVED (CASH)
  IRA WITHDRAWALS (ROTH IRA)
  OTHER CONSUMER CREDIT - CASH RECEIVED
  TAXABLE FIXED INCOME SECURITIES  WITHDRAWALS
  TAX EXEMPT FIXED INCOME SECURITIES WITHDRAWALS
  TAX EXEMPT INTEREST
  OTHER NON-TAXABLE SOURCE #1
  OTHER NON-TAXABLE SOURCE #2
  OTHER NON-TAXABLE SOURCE #3
  TOTAL NON-TAXABLE INCOME
TOTAL SOURCES OF INCOME

USES OF INCOME:
NON-DISCRETIONARY EXPENSES:
  CHILD CARE
  FOOD
  HOUSEHOLD
  INCOME TAXES-FEDERAL/STATE
  INSURANCE-LIFE/DISABILITY
  INSURANCE-MEDICAL/DENTAL
  INSURANCE-PROPERTY/CASUALTY
  MEDICAL/DENTAL EXPENSE (ABOVE INSURANCE)
  MORTGAGE PAYMENTS ON RESIDENCE
  MORTGAGE PAYMENTS ON VACATION PROPERTY
  OTHER CONSUMER CREDIT REPAYMENT
  PROPERTY TAXES
  SOC. SEC./MEDICARE TAXES (FIRST INCOME)
  SOC. SEC./MEDICARE TAXES (SECOND INCOME)
  UTILITIES
  VEHICLES
  OTHER NON-DISCRETIONARY EXPENSE #1
  OTHER NON-DISCRETIONARY EXPENSE #2
  OTHER NON-DISCRETIONARY EXPENSE #3
  TOTAL NON-DISCRETIONARY EXPENSES
DISCRETIONARY EXPENSES:
  401(K)/403(B) PLAN CONTRIBUTIONS (FIRST INCOME)
  401(K)/403(B) PLAN CONTRIBUTIONS (SECOND INCOME)
  CHARITABLE CONTRIBUTIONS
  CREDIT CARD REPAYMENT
  EDUCATION EXPENSES
  EDUCATION FUND CONTRIBUTIONS
  ENTERTAINMENT
  EQUITY SECURITIES PURCHASES
  GIFTS FOR OTHERS
  IRA CONTRIBUTIONS (ROTH IRA)
  IRA CONTRIBUTIONS (TRADITIONAL IRA)
  MISCELLANEOUS
  TAXABLE FIXED INCOME SECURITIES PURCHASES
  TAX EXEMPT FIXED INCOME SECURITIES PURCHASES
  TRAVEL/VACATIONS
  VEHICLE REPLACEMENT FUND CONTRIBUTIONS
  OTHER DISCRETIONARY EXPENSE #1
  OTHER DISCRETIONARY EXPENSE #2
  OTHER DISCRETIONARY EXPENSE #3
  TOTAL DISCRETIONARY EXPENSES
TOTAL USES OF INCOME

POSITIVE/NEGATIVE CASH FLOW



        NET WORTH STATEMENT (START OF YEAR)
ASSETS:
CASH AND CUMULATIVE CASH FLOW
EQUITY SECURITIES
TAXABLE FIXED INCOME SECURITIES
TAX EXEMPT FIXED INCOME SECURITIES
OTHER CURRENT ASSET #1
OTHER CURRENT ASSET #2
OTHER CURRENT ASSET #3
TOTAL CURRENT ASSETS

401(K)/403(B) PLAN (FIRST INCOME)
401(K)/403(B) PLAN (SECOND INCOME)
EDUCATION FUND
HOUSEHOLD GOODS
IRA (ROTH IRA)
IRA (TRADITIONAL IRA)
LIFE INSURANCE CASH VALUE
RESIDENCE
VACATION PROPERTY
VEHICLE REPLACEMENT FUND
VEHICLES
OTHER LONG-TERM ASSET #1
OTHER LONG-TERM ASSET #2
OTHER LONG-TERM ASSET #3
TOTAL LONG-TERM ASSETS

TOTAL ASSETS

LIABILITIES:
CREDIT CARDS
INCOME TAXES PAYABLE
OTHER CONSUMER CREDIT
OTHER SHORT-TERM DEBT #1
OTHER SHORT-TERM DEBT #2
OTHER SHORT-TERM DEBT #3
TOTAL CURRENT LIABILITIES

MORTGAGE ON RESIDENCE
MORTGAGE ON VACATION PROPERTY
OTHER LONG-TERM DEBT #1
OTHER LONG-TERM DEBT #2
OTHER LONG-TERM DEBT #3
TOTAL LONG-TERM LIABILITIES

TOTAL LIABILITIES

NET WORTH

CURRENT RATIO
DEBT TO WORTH RATIO
NON-DISCRETIONARY EXPENSES TO TOTAL INCOME
DISCRETIONARY EXPENSES TO TOTAL INCOME
TOTAL EXPENSES TO TOTAL INCOME
SAVINGS RATE


401(K) PLAN CONTRIBUTIONS BY COMPANY
401(K) PLAN CONTRIBUTIONS BY COMPANY

VEHICLE REPLACEMENT COST


       2010
         40
         39




$0
$0
$1,200
$0
$0
$3,750
$75,000
$22,000
$0
$1,600
$2,400
$0
$0
$105,950

$0
$0
$0
$3,000
$0
$0
$0
$0
$0
$0
$0
$0
$3,000
$108,950



$5,000
$4,800
$3,000
$18,875
$1,200
$4,500
$2,000
$2,600
$15,400
$7,200
$0
$4,200
$5,738
$1,683
$7,500
$4,000
$0
$0
$0
$87,695

$2,250
$0
$2,400
$0
$0
$1,230
$1,200
$0
$3,000
$0
$2,000
$1,800
$0
$0
$2,000
$5,000
$0
$0
$0
$20,880
$108,575

$375





$0
$60,000
$40,000
$0
$0
$0
$0
$100,000

$68,500
$0
$2,200
$60,000
$0
$12,350
$1,000
$315,000
$120,000
$5,000
$25,000
$0
$0
$0
$609,050

$709,050


$2,200
$0
$0
$0
$0
$0
$2,200

$232,477
$100,000
$0
$0
$0
$332,477

$334,677

$374,373

4545.5%
89.4%
80.5%
19.2%
99.7%
0.3%


$2,250
$0

$0

      2011
         41
         40




$0
$0
$1,272
$4
$0
$3,938
$77,250
$22,660
$0
$1,600
$2,472
$0
$0
$109,195

$0
$0
$0
$3,000
$0
$0
$0
$0
$0
$0
$0
$0
$3,000
$112,195



$5,150
$4,944
$3,090
$19,453
$1,236
$4,680
$2,060
$2,704
$15,400
$7,200
$0
$4,326
$5,910
$1,733
$7,725
$4,120
$0
$0
$0
$89,731

$2,318
$0
$2,472
$0
$0
$1,230
$1,236
$0
$3,090
$0
$2,000
$1,854
$0
$0
$2,060
$5,050
$0
$0
$0
$21,310
$111,040

$1,155





$375
$63,600
$40,000
$0
$0
$0
$0
$103,975

$77,317
$0
$3,670
$57,000
$0
$15,355
$1,040
$324,450
$124,800
$10,301
$20,000
$0
$0
$0
$633,932

$737,907


$2,266
$0
$0
$0
$0
$0
$2,266

$228,004
$91,898
$0
$0
$0
$319,902

$322,168

$415,739

4588.5%
77.5%
80.0%
19.0%
99.0%
1.0%


$2,318
$0

$0

       2012
         42
         41




$0
$0
$1,348
$15
$0
$4,134
$79,568
$23,340
$0
$1,600
$2,546
$0
$0
$112,551

$0
$0
$0
$3,000
$0
$0
$0
$0
$0
$0
$0
$0
$3,000
$115,551



$5,305
$5,092
$3,183
$20,051
$1,273
$4,867
$2,122
$2,812
$15,400
$7,200
$0
$4,456
$6,087
$1,785
$7,957
$4,244
$0
$0
$0
$91,833

$2,387
$0
$2,546
$0
$0
$1,230
$1,273
$0
$3,183
$0
$2,000
$1,910
$0
$0
$2,122
$5,101
$0
$0
$0
$21,751
$113,584

$1,968





$1,530
$67,416
$40,000
$0
$0
$0
$0
$108,946

$86,803
$0
$5,243
$54,150
$0
$18,569
$1,082
$334,184
$129,792
$15,787
$16,000
$0
$0
$0
$661,610

$770,556


$2,334
$0
$0
$0
$0
$0
$2,334

$223,255
$83,423
$0
$0
$0
$306,678

$309,012

$461,544

4667.8%
67.0%
79.5%
18.8%
98.3%
1.7%


$2,387
$0

$0

     2013
         43
         42




$0
$0
$1,429
$35
$0
$4,341
$81,955
$24,040
$0
$1,600
$2,623
$0
$0
$116,022

$0
$0
$0
$3,000
$0
$0
$0
$0
$0
$0
$0
$0
$3,000
$119,022



$5,464
$5,245
$3,278
$20,669
$1,311
$5,062
$2,185
$2,925
$15,400
$7,200
$0
$4,589
$6,270
$1,839
$8,195
$4,371
$0
$0
$0
$94,003

$2,459
$0
$2,623
$0
$0
$1,230
$1,311
$0
$3,278
$0
$2,000
$1,967
$0
$0
$2,185
$5,152
$0
$0
$0
$22,205
$116,208

$2,814





$3,498
$71,461
$40,000
$0
$0
$0
$0
$114,959

$97,005
$0
$6,926
$51,443
$0
$22,009
$1,125
$344,209
$134,984
$21,462
$12,800
$0
$0
$0
$691,962

$806,921


$2,404
$0
$0
$0
$0
$0
$2,404

$218,213
$74,559
$0
$0
$0
$292,772

$295,176

$511,744

4782.0%
57.7%
79.0%
18.7%
97.6%
2.4%


$2,459
$0

$0

    2014
         44
         43




$0
$0
$1,515
$63
$0
$4,558
$84,413
$24,761
$0
$1,600
$2,701
$0
$0
$119,612

$0
$0
$0
$3,000
$0
$0
$0
$0
$0
$0
$0
$0
$3,000
$122,612



$5,628
$5,402
$3,377
$21,308
$1,351
$5,264
$2,251
$3,042
$15,400
$7,200
$0
$4,727
$6,458
$1,894
$8,441
$4,502
$0
$0
$0
$96,245

$2,532
$0
$2,701
$0
$0
$1,230
$1,351
$0
$3,377
$0
$2,000
$2,026
$0
$0
$2,251
$5,203
$0
$0
$0
$22,671
$118,915

$3,696





$6,312
$75,749
$40,000
$0
$0
$0
$0
$122,061

$107,968
$0
$8,727
$48,870
$0
$25,690
$1,170
$354,535
$140,383
$27,331
$10,240
$0
$0
$0
$724,915

$846,976


$2,476
$0
$0
$0
$0
$0
$2,476

$212,860
$65,288
$0
$0
$0
$278,148

$280,625

$566,351

4929.5%
49.5%
78.5%
18.5%
97.0%
3.0%


$2,532
$0

$0