THE VITAL CROSSOVER WORKBOOKWORKSHEET FIVE · VALUE THE NEXT YEAR
What One More Year Adds
Compare realistic work and alternative paths over the same dates, count only differences caused by the added work period, and give the gain a job.
Use after-tax amounts where appropriate. Keep new savings, withdrawals avoided, investment growth, employer value, benefits, and work costs separate so no dollar is counted twice.
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Bring the net difference, its source quality, and its defined job into the Reverse Default Review and Decision Map.