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{\LARGE \textbf{Projected Expenses for Mediation}}\\[0.5em]
\textbf{Karl Stiefvater | March 2026}

\section*{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.

\section*{Projected Expense Summary}

\textit{Monthly figures are rounded. Annual figures are exact.}

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\hline
Category & Monthly & Annual \\
\hline
Housing & \$3,500 & \$42,000 \\
\hline
Healthcare & \$800 & \$9,600 \\
\hline
Food & \$1,200 & \$14,400 \\
\hline
Transportation & \$1,200 & \$14,400 \\
\hline
Travel & \$500 & \$6,000 \\
\hline
Clothing & \$150 & \$1,800 \\
\hline
Entertainment / Culture & \$800 & \$9,600 \\
\hline
Technology & \$1,270 & \$15,240 \\
\hline
Personal Care / Miscellaneous & \$700 & \$8,400 \\
\hline
Pet Care & \$375 & \$4,500 \\
\hline
Professional Development & \$433 & \$5,200 \\
\hline
Legal / Financial / Accounting & \$350 & \$4,200 \\
\hline
Life Insurance & \$100 & \$1,200 \\
\hline
Savings Buffer / Contingency & \$800 & \$9,600 \\
\hline
\textbf{Total} & \textbf{\$12,178} & \textbf{\$146,140} \\
\hline
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\section*{Notes on Assumptions}

\begin{itemize}
\item \textbf{Housing} assumes a one-bedroom apartment in San Francisco.
\item \textbf{Healthcare} assumes private coverage before Medicare eligibility and blended long-term health costs.
\item \textbf{Transportation} assumes ownership of a modest car, insurance, parking, gas, and maintenance.
\item \textbf{Technology} covers the software, internet, phone, hosting, and hardware replacement required for Karl's work in software, computer graphics, and AI.
\item \textbf{Professional Development} includes ongoing training and conference participation needed to maintain professional relevance.
\item \textbf{Savings Buffer / Contingency} covers emergency reserves, inflation protection, and unavoidable irregular expenses.
\end{itemize}

\vfill

\textit{Prepared for mediation discussion.}

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