This report traces the evolution through time of the household’s regular assets if it follows the program’s recommendations and the inputs entered in the program end up being correct. All amounts are in today’s dollars. Regular assets do not include home equity, retirement account assets, or reserve fund assets. The change in regular assets from one year to the next equals annual saving. Saving, in turn, equals income minus the sum of three variables—all shown in the report: retirement account contributions, spending, and taxes.