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hi Gloria Douglas a licensed real estate agent in Las Vegas Nevada I'm gonna do my disclaimer so we can go ahead and jump right into doing our preliminary budget on page 31 so while I'm going over my disclaimer you guys go ahead and turn to page 31 I do not work for NACA and I have never worked for NACA I work with clients that are going through the NACA mortgage ten step process so let's go ahead and get started so page 31 they have a they have three columns a current column a gold column and a difference column what we're going to focus on right now is going to be current so for income your net income is the money that actually goes into your bank account gross is before they take out taxes and insurance and whatever other miscellaneous things you have coming out savings 401k etc your net income is what you actually either is deposited into your checking account or you physically take in cash into your checking account debit card or whatever but it is going to be the money that you c

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