Personal Finance

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Cash Flow

• How does inflation impact my standard of living?
• How much am I spending?
• How much do I need for emergencies?
• Should I pay down debt or invest my monthly surplus?
• How long will my money last with systematic withdrawals?
• Should my spouse enter the work force?
• What is my current net worth?
• What is my projected net worth?
• What is my current cash flow?
• What is my projected cash flow?
• What is the value of reducing, postponing or foregoing expenses?
• Historical inflation - Compare purchasing power
• Balance My Checkbook

Paycheck & Benefits

• How much will my company bonus net after taxes?
• How will payroll adjustments affect my take-home pay?
• Convert my salary to an equivalent hourly wage
• Convert my hourly wage to an equivalent annual salary
• What is the future value of my employee stock options?
• Should I exercise my 'in-the-money' stock options?
• What may my 401(k) be worth?
• What is the impact of increasing my 401(k) contribution?
• What may my 457(b) be worth?
• What is the impact of increasing my 457(b) contribution?
• What may my 403(b) Plan be worth?
• What is the impact of increasing my 403(b) contribution?

Insurance

• How much life insurance do I need?
• What is my life expectancy?
• What are my needs for burial and final expenses?
• How much disability income insurance do I need?
• What are the chances of becoming disabled?
• What are my long-term care insurance needs?
• How much will I earn in my lifetime?
• What are the tax advantages of an annuity?
• How long will my current life insurance proceeds last?
• What is the future value of an annuity?
• Which is better, comprehensive plan or high-deductible plan with HSA?
• Compare a taxable investment to a tax-deferred investment

Credit & Debit

• What is my credit score?
• How long will it take to pay off my credit card(s)?
• How long until my loan is paid off?
• What would my loan payments be?
• Do I have too much debt?
• What is the balance on my loan?
• Should I consolidate my personal debt into a new loan?
• Restructuring debts for accelerated payoff
• Which is better: Cash up front or payments over time?
• What is the impact of making extra payments on my debt?
• Should I pay off debt or invest?
• Should I transfer my credit card balances?