Use the first tab of this folder to enter the market values of your families’ regular assets from December 31 of the previous year. If you begin using this program in the middle of the year, look back at your balances (these non-retirement assets) from the beginning of the year and enter those balances so that they can grow correctly by your assumed nominal growth rate. Note that the cash value of life insurance policies is automatically filled in from information you provided in the Estate Folder about your life insurance policies.