role: user

text: can you remove the "short explanation" at the end.  that's more nonsense.


role: assistant

text:
Removed.

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

Rebuilt:
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.pdf:1`

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


text: yes please.


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.

---

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