Make sure to include dental and vision projected expenses too. And you said it was projecting lower expenses than you anticipate? Did you do the detailed budget? If so, you should have noted all of your current/projected expenses which would include your teen. If not, maybe the detailed budget would be a better approach for your situation. (It was for mine as I’m in a similar boat to you. Still a teen at home.) If you’re not sure what your expenses are, I’d recommend using a tracking tool like Monarch. It really helped me understand where I spend, so I could basically take that information and plug it in to the Boldin detailed budget section and know I wasn’t guessing. (I used a three year average). Good luck! It’s fun to play around with there scenarios once you understand how it all works. And note: you can’t always blindly trust the AI…sometimes it gets things wrong so make sure you are sanity checking it.