I still struggle calculating future expenses in right capital. First off, tuition grows significantly every year, not even including inflation - e.g. this year in my son's school 3yr is 7.3k, 4yr is 8.8k, kindergarten is 11.7k, and it keeps going up. I think in the past what has been suggested is to enter a separate finite expense for each of those differences, which is a bit of a pain to do, especially for multiple kids. But even non-deterministic expenses rise - as kids get older they eat more, requiring a higher food budget, etc. How do we calculate that? The POS is very sensitive to changes in pre-retirement living expenses.