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WHEN IT comes right down to it, do you really have any idea how much you spend each month? Do you know what's left over? Until you can answer those questions it will be difficult to assess how much you have to invest. This worksheet asks you for estimates of typical monthly and annual expenses and subtracts them from your income to calculate your personal bottom line. If you have a recent pay stub, your checkbook and a recent bank statement (so you don't forget those automatic withdrawals) you should be all set to go.
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