The list of monthly expenses includes income taxes federal state 5000 tsp saving 1500 mortgage 4000 health life insurance 1000 food utilities misc 2000 daughters college 2000 discretionary 1166. He is the author of total compensation a practical guide to federal employee benefits has contributed articles to wwwmarylandbankingblogcom wwwnerdwalletcom wwwfedsmithcom he h with 14 years in the financial planning field brian focuses his practice in the areas of retirement planning investments insurance protection with a . The list of monthly expenses includes income taxes federal state 5000 tsp saving 1500 mortgage 4000 health life insurance 1000 food utilities misc 2000 daughters college 2000 discretionary 1166. A handy practical guide to federal employee benefits for use by households looking to accomplish their personal finance and retirement goals each chapter also includes a section for private sector workers for comparison