role: user

text:
<environment_context>
  <shell>zsh</shell>
  <current_date>2026-03-27</current_date>
  <timezone>America/Chicago</timezone>
</environment_context>


text: ok - we need to go back to my budget projections.


role: assistant

text:
All right. Back into the budget swamp.

The current working projection is:
- `records/analysis/2026-03-13_retirement_budget_justification_sf.md:1`

It’s the San Francisco rebuild budget, and right now it lands at:
- `$12,428/month`
- `$149,140/year`

Current category totals in that doc:
- housing — `$3,500`
- healthcare — `$800`
- food / delivery — `$1,200`
- transportation — `$1,200`
- travel — `$500`
- clothing — `$150`
- entertainment — `$800`
- technology — `$1,370`
- personal care / miscellaneous — `$700`
- pet care — `$375`
- professional development — `$583`
- legal / financial / accounting — `$350`
- life insurance — `$100`
- savings buffer / contingency — `$800`

Practical point: this document is a `justification memo`, not a clean `anticipated expenses sheet`. For Jennifer, the next step is probably to turn it into:
- a simpler projected monthly budget,
- clearly labeled as `anticipated post-separation expenses`,
- based on `San Francisco as the rebuild assumption`,
- without all the long-form argument attached.

That’s the work I’d do next. Want me to convert this into a stripped-down anticipated-expenses document?


text: ok - make a simpler doc please.


text:
Made a simpler projected-expenses doc here:
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.md:1`

What it does:
- states this is a forward-looking budget, not hospice-living actuals
- states current monthly income as `$0`
- gives the clean category table with the same totals:
  - `$12,428/month`
  - `$149,140/year`
- keeps only short assumption notes, not the long argumentative writeup

If you want, next I can:
- make a PDF version,
- tighten the category names for Jennifer,
- or turn it into a court-form-style worksheet.


text: show me


text:
```text
# Projected Anticipated Expenses for Mediation
**Karl Stiefvater | March 2026**
**Working projected expense sheet**

---

## Purpose

This is a forward-looking statement of anticipated post-separation expenses. It is not a record of Karl's current day-to-day spending while he is living with his mother in hospice. His current living situation is temporary and not representative of what his expenses will be going forward.

This budget assumes that Karl is rebuilding his life in San Francisco. It is intended as a good-faith estimate of anticipated monthly and annual living costs under that assumption.

Current monthly income: **$0**

---

## Projected Expense Summary

*Monthly figures are rounded. Annual figures are exact.*

| Category | Monthly | Annual |
|---|---:|---:|
| Housing | $3,500 | $42,000 |
| Healthcare | $800 | $9,600 |
| Food / delivery | $1,200 | $14,400 |
| Transportation | $1,200 | $14,400 |
| Travel | $500 | $6,000 |
| Clothing | $150 | $1,800 |
| Entertainment / culture | $800 | $9,600 |
| Technology | $1,370 | $16,440 |
| Personal care / miscellaneous | $700 | $8,400 |
| Pet care | $375 | $4,500 |
| Professional development | $583 | $7,000 |
| Legal / financial / accounting | $350 | $4,200 |
| Life insurance | $100 | $1,200 |
| Savings buffer / contingency | $800 | $9,600 |
| **Total** | **$12,428** | **$149,140** |

---

## Notes on Assumptions

- **Housing** assumes a one-bedroom apartment in San Francisco.
- **Healthcare** assumes private coverage before Medicare eligibility and blended long-term health costs.
- **Transportation** assumes ownership of a modest car, insurance, parking, gas, and maintenance.
- **Technology** reflects Karl's professional field in software, computer graphics, and AI, including software subscriptions, internet, phone, hosting, and hardware replacement.
- **Professional development** includes ongoing training and conference participation needed to maintain professional relevance.
- **Savings buffer / contingency** reflects emergency reserves, inflation protection, and unavoidable irregular expenses.

---

## Short Explanation

These figures are necessarily projected rather than historical because Karl's current living arrangement is temporary and does not reflect his expected post-separation expenses. The purpose of this sheet is to provide a realistic anticipated budget for discussion, not to treat the hospice living situation as a reliable baseline.

---

*This is a working projected expense sheet prepared for mediation discussion. It is not a legal filing.*
```


text: don't mention the hospice please.


text:
Agreed. That detail does not need to be in this document.

I’d replace the opening explanation with this:

> This is a forward-looking statement of anticipated post-separation expenses. It is not a record of Karl’s current day-to-day spending. His current living situation is temporary and not representative of what his expenses will be going forward.

And the short explanation with this:

> These figures are necessarily projected rather than historical because Karl’s current living arrangement is temporary and does not reflect his expected post-separation expenses. The purpose of this sheet is to provide a realistic anticipated budget for discussion, not to treat the current temporary arrangement as a reliable baseline.

That keeps the point and removes the hospice reference entirely.

If you want, I’ll patch the doc now.


text: yes


text:
Done.

Updated:
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.md:1`

The hospice reference is gone. The document now just says your current living situation is temporary and not representative.


text:
```text
# Projected Anticipated Expenses for Mediation
**Karl Stiefvater | March 2026**
**Working projected expense sheet**

---

## Purpose

This is a forward-looking statement of anticipated post-separation expenses. It is not a record of Karl's current day-to-day spending. His current living situation is temporary and not representative of what his expenses will be going forward.

This budget assumes that Karl is rebuilding his life in San Francisco. It is intended as a good-faith estimate of anticipated monthly and annual living costs under that assumption.

Current monthly income: **$0**

---

## Projected Expense Summary

*Monthly figures are rounded. Annual figures are exact.*

| Category | Monthly | Annual |
|---|---:|---:|
| Housing | $3,500 | $42,000 |
| Healthcare | $800 | $9,600 |
| Food / delivery | $1,200 | $14,400 |
| Transportation | $1,200 | $14,400 |
| Travel | $500 | $6,000 |
| Clothing | $150 | $1,800 |
| Entertainment / culture | $800 | $9,600 |
| Technology | $1,370 | $16,440 |
| Personal care / miscellaneous | $700 | $8,400 |
| Pet care | $375 | $4,500 |
| Professional development | $583 | $7,000 |
| Legal / financial / accounting | $350 | $4,200 |
| Life insurance | $100 | $1,200 |
| Savings buffer / contingency | $800 | $9,600 |
| **Total** | **$12,428** | **$149,140** |

---

## Notes on Assumptions

- **Housing** assumes a one-bedroom apartment in San Francisco.
- **Healthcare** assumes private coverage before Medicare eligibility and blended long-term health costs.
- **Transportation** assumes ownership of a modest car, insurance, parking, gas, and maintenance.
- **Technology** reflects Karl's professional field in software, computer graphics, and AI, including software subscriptions, internet, phone, hosting, and hardware replacement.
- **Professional development** includes ongoing training and conference participation needed to maintain professional relevance.
- **Savings buffer / contingency** reflects emergency reserves, inflation protection, and unavoidable irregular expenses.

---

## Short Explanation

These figures are necessarily projected rather than historical because Karl's current living arrangement is temporary and does not reflect his expected post-separation expenses. The purpose of this sheet is to provide a realistic anticipated budget for discussion, not to treat the current temporary arrangement as a reliable baseline.

---

*This is a working projected expense sheet prepared for mediation discussion. It is not a legal filing.*
```


text: leave out the part "it is not..." you do not need to say what this document is not.  it is also not a zebra.  we do not need to list the things it is not.


text:
Fair point. I removed the defensive “it is not …” phrasing.

Updated:
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.md:1`

The opening now reads:

- `This is a forward-looking statement of anticipated post-separation expenses. Karl's current living situation is temporary, so this sheet estimates what his expenses are likely to be going forward.`

And the closing line is now just:

- `Working projected expense sheet prepared for mediation discussion.`

If you want, I can show the full revised doc again.


text:
```text
# Projected Anticipated Expenses for Mediation
**Karl Stiefvater | March 2026**
**Working projected expense sheet**

---

## Purpose

This is a forward-looking statement of anticipated post-separation expenses. Karl's current living situation is temporary, so this sheet estimates what his expenses are likely to be going forward.

This budget assumes that Karl is rebuilding his life in San Francisco. It is intended as a good-faith estimate of anticipated monthly and annual living costs under that assumption.

Current monthly income: **$0**

---

## Projected Expense Summary

*Monthly figures are rounded. Annual figures are exact.*

| Category | Monthly | Annual |
|---|---:|---:|
| Housing | $3,500 | $42,000 |
| Healthcare | $800 | $9,600 |
| Food / delivery | $1,200 | $14,400 |
| Transportation | $1,200 | $14,400 |
| Travel | $500 | $6,000 |
| Clothing | $150 | $1,800 |
| Entertainment / culture | $800 | $9,600 |
| Technology | $1,370 | $16,440 |
| Personal care / miscellaneous | $700 | $8,400 |
| Pet care | $375 | $4,500 |
| Professional development | $583 | $7,000 |
| Legal / financial / accounting | $350 | $4,200 |
| Life insurance | $100 | $1,200 |
| Savings buffer / contingency | $800 | $9,600 |
| **Total** | **$12,428** | **$149,140** |

---

## Notes on Assumptions

- **Housing** assumes a one-bedroom apartment in San Francisco.
- **Healthcare** assumes private coverage before Medicare eligibility and blended long-term health costs.
- **Transportation** assumes ownership of a modest car, insurance, parking, gas, and maintenance.
- **Technology** reflects Karl's professional field in software, computer graphics, and AI, including software subscriptions, internet, phone, hosting, and hardware replacement.
- **Professional development** includes ongoing training and conference participation needed to maintain professional relevance.
- **Savings buffer / contingency** reflects emergency reserves, inflation protection, and unavoidable irregular expenses.

---

## Short Explanation

These figures are projected because Karl's current living arrangement is temporary and does not reflect his expected post-separation expenses. The purpose of this sheet is to provide a realistic anticipated budget for discussion.

---

*Working projected expense sheet prepared for mediation discussion.*
```


text: remove "delivery" from the food catagory


text:
Done.

Updated:
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.md:1`

The category now reads:
- `Food | $1,200 | $14,400`


text: show me the entire doc


text:
```text
# Projected Anticipated Expenses for Mediation
**Karl Stiefvater | March 2026**
**Working projected expense sheet**

---

## Purpose

This is a forward-looking statement of anticipated post-separation expenses. Karl's current living situation is temporary, so this sheet estimates what his expenses are likely to be going forward.

This budget assumes that Karl is rebuilding his life in San Francisco. It is intended as a good-faith estimate of anticipated monthly and annual living costs under that assumption.

Current monthly income: **$0**

---

## Projected Expense Summary

*Monthly figures are rounded. Annual figures are exact.*

| Category | Monthly | Annual |
|---|---:|---:|
| Housing | $3,500 | $42,000 |
| Healthcare | $800 | $9,600 |
| Food | $1,200 | $14,400 |
| Transportation | $1,200 | $14,400 |
| Travel | $500 | $6,000 |
| Clothing | $150 | $1,800 |
| Entertainment / culture | $800 | $9,600 |
| Technology | $1,370 | $16,440 |
| Personal care / miscellaneous | $700 | $8,400 |
| Pet care | $375 | $4,500 |
| Professional development | $583 | $7,000 |
| Legal / financial / accounting | $350 | $4,200 |
| Life insurance | $100 | $1,200 |
| Savings buffer / contingency | $800 | $9,600 |
| **Total** | **$12,428** | **$149,140** |

---

## Notes on Assumptions

- **Housing** assumes a one-bedroom apartment in San Francisco.
- **Healthcare** assumes private coverage before Medicare eligibility and blended long-term health costs.
- **Transportation** assumes ownership of a modest car, insurance, parking, gas, and maintenance.
- **Technology** reflects Karl's professional field in software, computer graphics, and AI, including software subscriptions, internet, phone, hosting, and hardware replacement.
- **Professional development** includes ongoing training and conference participation needed to maintain professional relevance.
- **Savings buffer / contingency** reflects emergency reserves, inflation protection, and unavoidable irregular expenses.

---

## Short Explanation

These figures are projected because Karl's current living arrangement is temporary and does not reflect his expected post-separation expenses. The purpose of this sheet is to provide a realistic anticipated budget for discussion.

---

*Working projected expense sheet prepared for mediation discussion.*
```


text: ok - make a PDF please


text:
Done.

Files:
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.md:1`
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.tex:1`
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.pdf:1`

The PDF compiled cleanly. If you want, I can open it or copy the doc text to your clipboard.