Many people “park” the difference between income and outgo into some form of savings or investment account, watching that balance grow month by month. You can use this program to make a quick forecast of what that future balance will be. Enter monthly income and outgo, rate of return, beginning balance, and months to forecast. Click Forecast. You can also make simple changes and instantly see impact (e.g., What if I take this job? What if I buy this car? What if I lost my job? etc.). Don’t spend it; park it! Save it for when you might really need it, such as in an acceptable risk mutual fund (growth, income, high yield, etc.). Not in a mattress or sock. By following this approach you can secure your future by becoming financially independent and self reliant!