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Can identify any gaps in your plan. And while this worksheet can help you budget for essential and discretionary retirement expenses, be sure to also set aside money to cover unexpected expenses. Monthly Expenses Essential Expense Amount Housing Mortgage or Rent Second Mortgage or Rent Condo or Association Fees Insurance Electricity/Gas Water/Sewer Waste Removal Maintenance/Repairs Lawn Care Phone/Cell Phone Internet Cable/Satellite Other Subtotals: Essential Expense Amount Food, en.

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