Your spreadsheet is incredibly well-crafted! I especially love the debt tracker and the sinking funds goal markers—they’re both thoughtfully designed and visually motivating. I did run into a few setup challenges, even after watching the YouTube instructions multiple times, but I’m determined to work through it and get everything aligned.
What really stands out are the built-in calculations. I’m proficient in Excel, and even I struggled to replicate these formulas in my own version. That’s why