TODO:
    * factor car lease in better.  Seems cost will be $2412/month, likely paid 15th of each month
      - am getting a pay-out figure, so can do the math and see which is 'better'
      - if I move to this new structure, it covers lease and insurage, but nothing else - so need to at least include rego
      so likely... pay Car_lease up to D_quit, then 2412 / 15th each month, rego for 2025/11/15 + (2026/11/15, etc)
      -- NOTING see TODO in code where I fudge a fornightly payment for Car lease after I quit (for now)

CONSIDER in code:
    * when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better
        - it kicks in after pay stops, and could be paid monthly say, but it is higher than if we pay yearly (I think)
    * altering CBA share price / by likely annual changes -- speculative but also significant enough to make a difference

CONSIDER in real-world:
    * moving > $250k into say ING, then rabo-bank -- 4 months interest higher in each -- maybe to another provider after that
        while the balance is > $250k it offsets individual bank risk
    * maybe buying shares in something like berkshire-hathaway, or vanguard ETFs?


To run the code:

cd ~/src/finplan
source ./.python/bin/activate
FLASK_APP=main ./.python/bin/flask --debug run --host=192.168.0.2