Now we have to match exactly what we have coming in after taxes with the figure we have just learned is going out. Please write down now all the income from every source that you have coming in. Only calculate an amount you are fairly certain will continue coming in for at least one more year. If you loaned someone money, for example, and she has been paying you back regularly but owes only three more payments, don’t include this figure. Or if you’re working and about to retire or be laid off, don’t count that paycheck, either. Be as realistic as possible as to how much you cftn really count on month in, month out. Possible sources of income:

• Monthly paychecks after taxes
• Predictable bonuses
• Social Security income
• Disability income
• Bond income
• Rental income,

if you have any Gifts from your parents or children, if you can really Count on them year in, year out
Loan repayments, if they will continue for more than a year Income you are taking or about to take from retirement accounts Pension income, Miscellaneous
Take this total and divide it by 12, so you can see what you have coming in after taxes on a monthly basis.