"When I was working on the Pro}ect Budget spreadsheet, I faced the challenge of guring out if E would have a car after college because I want to Live in the city, and this seems like a meaningless expense. On a spreadsheet, it is extremely easy to pay yourself first and have all of your wants come only after you prepare for retirement. However, when you try and put this plan in action, it becomes much harder because there are many more things to account for that you don't even realize