{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["Title","Question","DataTable","Wrap Up"],"not_rendered":{"charts":0,"images":7,"macros":0,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Title","index":0,"n_rows":25,"n_cols":13,"rows_kept":25,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,2161]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Image credit: themusingsofmo / Pixabay"]

{"sheet":"Question","index":1,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["Mortgage Balance",155701]
["From Windfall",0]
["New Balance",{"$f":"B1-B2","v":155701}]
["Rate",3.2500000000000001E-2]
["Payment",1939.37]
[]
["# Periods",{"$f":"NPER(B4/12,-B5,B1)","v":90.650705656520074}]

{"sheet":"DataTable","index":2,"n_rows":12,"n_cols":4,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["Mortgage Balance",155701]
["From Windfall",0]
["New Balance",{"$f":"B1-B2","v":155701}]
["Rate",3.2500000000000001E-2]
["Payment",1939.37,null,{"$f":"8*B5","v":15514.96}]
[]
[null,{"$f":"NPER(B4/12,-B5,B3)","v":90.650705656520074},"Payoff Date"]
[0,90.650705656520074,{"$f":"TODAY()+DATE(0,B8,1)","v":"2025-07-05"}]
[3000,88.676608056812768,{"$f":"TODAY()+DATE(0,B9,1)","v":"2025-05-05"}]
[6000,86.712994777339091,"2025-03-07"]
[9000,84.759755042902299,"2025-01-04"]
[12000,82.816779824725771,"2024-11-04",{"$f":"DATEDIF(C12,C8,\"m\")","v":8}]

{"sheet":"Wrap Up","index":3,"n_rows":8,"n_cols":2,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["Topics in this Episode"]
[]
[null,"If we make a lump-sum payment against our mortgage, how will the number of payments change?"]
[null,"First step: plug in current values from your mortage statement."]
[null,"Then: Use NPER function to figure out how many payments are left"]
[null,"Use a one-variable Data Table to see the impact on future payments."]
[null,"Using the DATE function with a number of months"]
[null,"Using DateDIF function to figure out the number of months between two dates"]