Healthcare is a major retirement cost. I see a couple of brief mentions of part B in the manual, but would like a reasonable explanation of how healthcare costs should be treated using this program.

The mortgage payments on my primary home and on my rental both decrease by 3% year after year, but my mortgage is fixed, so the total payment doesn't change.

I need some guidance on how to correctly model my fixed income in monte carlo. In my case i have regular asset income in the current year that is twice with the total income report shows. how do i manage coupon yield?

Suddenly, all my profiles except 1 will not run. After starting Create a Report the following window opens "espbasic.exe has stopped working..." the program then quits and adobe acrobat opens but the report shows "results Missing"
Should I reinstall 2.34.1?

I'm just starting with ESP+ ver 2.35.2. The Support screen suggests...

Am I misunderstanding the calculations resulting from the value (Assets & Saving / Current Saving) "Less amount of asset income not reinvested" or is this a bug? When I enter a value ranging from 0 to 999 "Equals current saving" calculation seems correct; e.g., 16777 - 999 = 15778.

I am 65 and my wife is 63. We have no life insurance now. The Annual Suggestions portion of our report indicates a recommendation of Life Insurance for me in annual amounts beginning in 2018 for $56K, rising each year to 2023 at $153K and then declining till my presumed death in 2041 to $10K.

Hello,
My wife and I live in Maryland and when I run the planner your tax calculations in MD seem to come up short. I am wondering if you are accounting for the local county taxes which can add up to 3% plus to the calculation.
Thanks,
J. Banks

I need to check my understanding of some of the program inputs and their interactions. I've made some assertions (below) for which I would certainly appreciate any comments or corrections.

Using Economics-based planning:

When I run ESPlanner it suggests this year I should save tens of thousands less (the recommended amount is negative savings), increase discretionary spending by tens of thousands, and reduce life insurance to zero for myself and my spouse.

What does the Living Standard values in the monte carlo analysis represent, compared to the baseline reports? Specifically, two questions:
1) do they represent all spending or just discretionary spending?
2) do they represent 'per adult' or 'total household' living standard?