Which of these three things is doing what — putting it in its own thread so it does not get lost in the check-in.
Some background first, because it matters for the question.
My history means the standard advice is not safe for me to follow, and I would like to hear from people whose history looks like mine.
I would like to compare notes rather than be advised, because the advice I have had has all been written for a simpler version of my situation.
To put the figure in the title beside the rest of it: three things. That is the whole of the arithmetic and none of it is an estimate.
Not looking for interpretation of anything. Looking for what other people asked for and whether it helped.
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