Purpose: Assess Josh's MAX monthly payment ceiling by stacking reallocations.
Start with baseline contributions (Barclays current, Bonus overflow, Jess payment) then
ADD rows for each reallocation (e.g. "reallocate investments", "reduce debt payment").
Running sum on the right = total possible ceiling under that reallocation mix.
Reallocation table
#
Amount ($/mo)
Description / Source
Running sum →
TOTAL CEILING:
$0
Logged ceiling scenarios (this device)
No saved scenarios yet.
Action
Use this AFTER Josh Ceiling Assessment — that calc gives sustainable from current state; this one shows how much more you can stretch with deliberate reallocations.
Default rows seeded with current real numbers (Barclays $2,121/mo, Bonus overflow $1,650, Jess contribution $1,900).
Add rows for hypothetical reallocations: e.g. "reduce investing to $600/mo (+$431)", "drop CC paydown overage (+$222)", "office rent income (+$200)".
Save a scenario at each plausible reallocation mix → compare side-by-side in the log.
Export to chat to persist your favorite scenarios into a CSV later.