Just wanted to say that I really like ESP. I'm hoping some retirees can chime in with their success stories about how they've successfully used ESP. Who has followed the recommendations year after year and has it worked out as you expected? (I guess I'm looking for some stories on "projected" vs. "actual" results.)
With my current set of inputs, my current discretionary spending is negative. This obviously isn't true, so I'm assuming I have a problem with my input data but am having a problem tracking down what it might be. Can someone explain how current discretionary spending is calculated?