Harry and Belinda Johnson spend $$20$ per month on life insurance in the form of a premium on a $$10,000,$ paid$-$at$-65$ cash$-$value policy on Harry that his parents bought for him years ago. Belinda has a group term insurance policy from her employer with a face amount of $$200,000.$ By choosing a group life insurance plan from his menu of employee benefits, Harry now has $$100,000$ of group term life insurance. Harry and Belinda have decided that, because they have no children, they could reduce their life insurance needs by protecting one another's income for only four years, assuming the survivor would be able to fend for himself or herself after that time. They also realize that their savings fund is so low that it would have no bearing on their life insurance needs. Harry and Belinda are basing their calculations on a projected $5$ percent rate of return after taxes and inflation. They also estimate the following expenses: $$15,000$ for final expenses, $$19,000$ for readjustment expenses, and $$6,000$ for repayment of short$-$term debts. Harry works in small interior design firm in Kansas City earning a salary of about $$52,000.$ Belinda is now employed as a stockbroker earning about $$77,000$ annually.

Should the $$3,000$ interest earnings from Harry's trust fund be included in his annual income for the purposes of calculating the likely dollar loss if he were to die? $($Harry receives $$3,000$ in interest income annually from a trust fund set up by his deceased father's estate. The amount will never change.$)$