Read? Can you put a $ value FOR a good night's sleep??? Actual vs. Relative? Sometime, presenting statistical data in its relative form provides us better understanding of what we are trying to achieve with the tracking data. When Uncle8888 changed his family living expenses tracking chart from actual to relative form, he realized that his family has been spending anything from $X to $4.2X Yes. His Minimum Sum is $X; but it is definitely not sustainable. Looking at the chart; it only happened once. Similarly, did those few years of extreme over-spending actually killed his dream of reaching financial independence @ 55? No. It didn't kill his dream! However, it might has actually delayed his time of arrival at the edge of financial independence. Some food for thought on the road to financial independence .. S-Reit System Investor10 January 2015 at 10:14:00 GMT+8 Hi CW, ......