Actual vs. projected capital contributions of the investor, current and projected composition of assets -income, growth, quality, risk- the types of investments required -more treasury bills than equities/mutual funds or more equities/mutual funds than treasury bills—the investment time frame—months, a few years, or many years- the behavior of the financial markets -good or bad and for how long- and the investment skills of the investment decision maker determine the probability of achieving an investment goal.

Enter actual and projected household Income and Expenses items gross or net @ Budget with surplus and deficits being added to or taken from an Asset titled Savings.

Budget entries are entered for the number of years -Start Period and End Period- that they will occur; cost of living adjustments when appropriate; for example, Income, $100,000, Start Per. 1 and End Per. 20 with 3% COL adjustment ; therefore, COL adjusted annual income will appear in each of the selected years.

Savings' growth rate is determined by the user selected Default Earnings Rate entered @ System Setup @ the Main Window.

Assets are entered @ the Assets tab with Growth @, Income @, and Liabilities options.

If Income @ is entered @ the Assets tab, the income will be added as an income entry @ Budget/Income and flow through to the Asset Savings.

Asset entries are entered for the number of years, Start Period and End Period, that an Asset is to be held; for example, Rental Property, $100,000 Rental Property, Start Per. 1 and End Per. 20; therefore, the Rental Property will appear as a holding until the End Per. when it is assumed that the Asset, Rental Property will be sold.

Liabilities are entered in much the same way and, when created, monthly amounts due are added to Expenses @ Budget,

Any number and combination of Income, Expense, and Asset entries my be checked for Exclusion to see the overall impact the Exclusion(s) have on each analysis; not buying the car, not having rental property, not having credit card debt.