role: user

text: OMG - didn't i tell you to remove the "temporary" stuff?


role: assistant

text:
Yes. That was still in there.

I removed it from:
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.md:1`
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.tex:1`

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

The opening now just says:

- `This is a forward-looking statement of anticipated post-separation expenses.`

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


text: can you clean up the wording now that so much has been removed?


text:
Cleaned up.

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`

Key edits:
- title shortened to `Projected Expenses for Mediation`
- removed the extra subtitle
- tightened the purpose section
- simplified the technology and contingency bullets
- shortened the footer

Current text:

```text
# Projected Expenses for Mediation
**Karl Stiefvater | March 2026**

---

## Purpose

This sheet sets out Karl's anticipated post-separation expenses.

It assumes that Karl is rebuilding his life in San Francisco and provides a good-faith estimate of expected 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** covers the software, internet, phone, hosting, and hardware replacement required for Karl's work in software, computer graphics, and AI.
- **Professional development** includes ongoing training and conference participation needed to maintain professional relevance.
- **Savings buffer / contingency** covers emergency reserves, inflation protection, and unavoidable irregular expenses.

---

*Prepared for mediation discussion.*
```


text: why is my income in there?


text:
Because I carried over the idea that Jennifer wanted both:
- anticipated expenses
- and the simple income fact that your current income is `$0`

But in this specific document, that line is probably misplaced.

Reason:
- this sheet is an `expense projection`
- income is a separate concept
- putting `$0` here blurs `budget` with `income statement`

Cleaner options:
- remove it entirely from this doc, or
- put it in a one-line cover note/email instead

I think the better call is:
- remove `Current monthly income: $0` from the document

If you want, I’ll patch that and rebuild the PDF.


text: yes.  look for any more mistakes, please.


text:
Yes. I cleaned it up and removed the income line.

What I fixed:
- removed `Current monthly income: $0`
- normalized the category labels to consistent title case
- tightened the purpose section
- rebuilt the PDF

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

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

Current text:

```text
# Projected Expenses for Mediation
**Karl Stiefvater | March 2026**

---

## Purpose

This sheet sets out Karl's anticipated post-separation expenses.

It assumes that Karl is rebuilding his life in San Francisco and provides a good-faith estimate of expected monthly and annual living costs under that assumption.

---

## 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** covers the software, internet, phone, hosting, and hardware replacement required for Karl's work in software, computer graphics, and AI.
- **Professional Development** includes ongoing training and conference participation needed to maintain professional relevance.
- **Savings Buffer / Contingency** covers emergency reserves, inflation protection, and unavoidable irregular expenses.

---

*Prepared for mediation discussion.*
```

One remaining judgment call:
- `good-faith estimate` is fine, but if you want this even plainer, I’d change it to `estimate`.


text: leave it.  did you make the new PDF?


text:
Yes.

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

It was rebuilt after removing the income line and cleaning the wording.


text: remind me what the technology expense is comprised of?


text:
Per the detailed source in `records/analysis/2026-03-13_retirement_budget_justification_sf.md:113`, the `Technology` line is made up of:

- `Adobe Creative Cloud` — `$55/mo`
- `Autodesk Maya` — `$235/mo`
- `Parallels Desktop` — `$10/mo`
- `OpenAI professional subscription` — `$200/mo`
- `Additional AI platforms` — `$100/mo`
- `Other professional software` — `$100/mo`
- `Hardware replacement` — `$200/mo`
- `High-speed internet` — `$100/mo`
- `Phone plan` — `$80/mo`
- `Cloud infrastructure / hosting / domains / security` — `$190/mo`

One issue: those listed items add up to `$1,270/mo`, not `$1,370/mo`.

So there’s a `$100/mo` mismatch in the underlying budget note. If you want, I can trace it and fix the source doc plus the projected-expenses sheet.


text: WTF


text:
You’re right.

There’s a real `$100/month` mismatch in the source budget. The listed `Technology` components total:

- `$55 + 235 + 10 + 200 + 100 + 100 + 200 + 100 + 80 + 190 = $1,270/month`

But the document says:
- `Technology = $1,370/month`
- `Annual = $16,440`

So one of two things is true:
- a `$100/month` item is missing from the writeup, or
- the budget is overstated by `$100/month`

If we correct it downward, the numbers become:
- `Technology` → `$1,270/month`, `$15,240/year`
- `Total` → `$12,328/month`, `$147,940/year`

I should have caught that earlier. I didn’t.

I have **not** changed the docs yet. My recommendation is:
- correct it downward to `$1,270` unless you know what the missing `$100` item was.

If you want, I’ll patch:
- `records/analysis/2026-03-13_retirement_budget_justification_sf.md`
- `records/analysis/2026-03-13_retirement_budget_justification_sf.tex`
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.md`
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.tex`
and rebuild both PDFs.


text: can you examine all the numbers to see if you've made any other mistakes?


text:
Yes. I checked the detailed budget for arithmetic/internal consistency.

I found **two real mismatches**:

- `Technology`
  - stated: `$1,370/month` / `$16,440/year`
  - listed components add to: `$1,270/month` / `$15,240/year`
  - error: `+$100/month` / `+$1,200/year`

- `Professional Development`
  - stated: `$583/month` / `$7,000/year`
  - listed components add to: `$5,200/year`
    - `$100/month` courses = `$1,200/year`
    - `$50/month` books = `$600/year`
    - `$50/month` memberships = `$600/year`
    - `GDC` = `$2,800/year`
  - total listed = `$5,200/year` ≈ `$433/month`
  - error: about `+$150/month` / `+$1,800/year`

Everything else I checked reconciles:
- `Food` = `$750 + $450 = $1,200`
- `Transportation` = `$400 + $200 + $400 + $200 = $1,200`
- `Travel` = `$3,300 + $2,700 = $6,000`
- `Clothing` = `$100 + $50 = $150`
- `Entertainment` = `$400 + $150 + $50 + $200 = $800`
- `Personal Care / Miscellaneous` = `$50 + $100 + $100 + $100 + $150 + $200 = $700`
- `Pet Care` = `$100 + $150 + $50 + $75 = $375`
- `Legal / Financial / Accounting` = `$1,200 + $1,800 + $1,200 = $4,200`

So if we correct the two bad categories downward, the budget becomes:

- `Technology` → `$1,270/month` / `$15,240/year`
- `Professional Development` → about `$433/month` / `$5,200/year`
- **Corrected total** → about `$12,178/month` / `$146,140/year`

And yes: the simpler projected-expenses doc inherits those same two inflated numbers.

If you want, I’ll patch both budget docs and rebuild both PDFs.


text: fix it all.


text:
Fixed.

Updated:
- `records/analysis/2026-03-13_retirement_budget_justification_sf.md:1`
- `records/analysis/2026-03-13_retirement_budget_justification_sf.tex:1`
- `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/2026-03-13_retirement_budget_justification_sf.pdf:1`
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.pdf:1`

Corrections:
- `Technology` → `$1,270/month`, `$15,240/year`
- `Professional Development` → `$433/month`, `$5,200/year`
- `Total` → `$12,178/month`, `$146,140/year`

I rechecked the rest of the detailed budget arithmetic after that. I did not find any other internal math mismatches in the itemized categories.


text: did you fix the files?


text:
Yes.

Fixed files:
- `records/analysis/2026-03-13_retirement_budget_justification_sf.md:1`
- `records/analysis/2026-03-13_retirement_budget_justification_sf.tex:1`
- `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 PDFs:
- `records/analysis/2026-03-13_retirement_budget_justification_sf.pdf:1`
- `records/analysis/2026-03-27_projected_anticipated_expenses_for_mediation.pdf:1`