Hey, it is uncanny how they arrived at such correlation. Very interesting.

I checked the numbers for my wife and myself and found the numbers a little on the low side so I am not sure if it was because they didn't factor in property values? Because when I take away our property value, the numbers provided by the model were uncannily close to what we have, with just a few hundred $K off (lower than what we currently have). Again I supposed the model did not factor in capital gains from investment.