@gibby I’ve found differently for straight up income however there are other factors that affect the FA. As far as what Yale says in there example I would find that to be the most optimistic (it might be true with basically with no assets and no savings and maybe another child or two in college, as you can see I can come up with all sorts of factors to get to any figure I want). You can see from what the OP has written and what Yale is giving are two entirely different things.