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hello everybody Ive a few questions from people they wanted me to talk about some things that Ive discussed regarding personal finance and so this video is going to go over an illustration of some basic principles regarding saving this is something that I do in the college class that I teach in Excel its something that Ive shown to co-workers its something that Ive shown to young people universally people apparently dont get shown this anymore this was the kind of stuff that we learned when I was young or at least I feel like we did and Ive always maintained a spreadsheet like this for pretty much most of my life now I cant say necessarily that I stuck with it perfectly but this is this is something that I always try to keep track of so without further ado this is an example of some personal savings principles and then its going to be a very simple model that we start with and then as we progress Ill go ahead and add some complexity to it but lets start with the some colum