Determine Your Positive Cash Flow
You now have a total amount of money that is referred to as "discretionary income." This is money you don't need to cover your expenses. This is money you can "play" with. Remember that entertainment such as "eating out" and "vacations" have already been included in either the above list or the Hidden Expenses list that is incorporated in the above calculator. So this is money you can devote to upgrading your lifestyle such a buying a new house or a new car. It is also from this pool of money that you can make an investment in your future by contributing to your Investing Plan.
The sum you decide to devote to investing is a vital input to the Return Required Calculator in this suite of planning tools.