Excel might be boring, but boring is good when it comes to finances. Learned that the hard way myself. Had a similar issue with a budgeting app that r...

Did something similar a few years back—ran the numbers on higher rates, but honestly didn't factor in a significant market drop. When the downturn hit...

Honestly, I'd bump that cushion closer to 15-20% if you can swing it. We thought we were being conservative at 10%, but ended up hitting extra costs w...