Smarter Spending  
  The cost of everyday items may seem minimal, 
  but when you start spending smarter and invest the  
  remaining savings instead, you can signficantly  
  increase the amount you have to spend in the future.  
  Spend less and save for    years    
  Invest savings at rate of return of   %    
  I can spend less by . . .    . . . and save  
  $  per month  
  $  per month  
  $  per month  
  $  per month  
  $  per month  
  $  per month  
  Total saved per month   per month  
  Total saved per year   per year  
  * Monthly savings are made at the end of the month.        
  This calculator is for educational purposes only. You should not rely on the  
  results as an indication of your financial needs and we recommend that you  
  seek out your own legal, accounting, tax or professional advice. The deduction  
  advisory fees, brokerage or other commissions and any other expenses that  
   would have been paid may not be reflected in the calculation results.  
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