the app does a great job carving out debt payments from many of the cashflow and spending discussions. i think insurance premiums should also be explicitly carved out and highlighted as a separate expense. This is because they are not really discretionary, and are needed as a baseline protection for the plan. also they can change pretty substantially throughout their lives. finally, they are accounted separately, similar to the debt payments, within the insurance premiums area of the insurance tabs.

in the attached example, i feel like if insurance premiums were separated from expenses, then expenses would truly reflect "lifestyle expenses" and would be useful for both pre and post retirement comparison. because many pre-retirement insurances change post-retirement (health, life, disability).

it would also lead to a good conversation regarding what $ or % of money is going towards risk protection via insurance with the client. right now that is somewhat hidden in the data.