Well I totally agree with you, and the simple answer is—I don’t. All of the graph/​tables I made (except fig. 5 - which was only a completely made up example) are based on averages (including made up numbers that’s supposed to represent the average). They don’t take into account personal factors—like your income or how expensive rent+utilities are in your area. Therefore the models should only be used as a very rough guide, that can’t work by itself (I guess one could make a more complex model that includes these factors). Therefore one should also make a budget, to see how it would look in real life, as I suggested in this section.
Well I totally agree with you, and the simple answer is—I don’t. All of the graph/​tables I made (except fig. 5 - which was only a completely made up example) are based on averages (including made up numbers that’s supposed to represent the average). They don’t take into account personal factors—like your income or how expensive rent+utilities are in your area. Therefore the models should only be used as a very rough guide, that can’t work by itself (I guess one could make a more complex model that includes these factors). Therefore one should also make a budget, to see how it would look in real life, as I suggested in this section.