Around 1967 I began backing away from dogmatic Leninism, not so much because I thought it was false, I just decided there was nothing utopian about it.
I was trying to spend it as quickly as possible. Because I'm so lazy, all that money created a block. I was flying around the world, staying at fancy hotels, having fun and trying to get rid of it as quickly as possible, so I could get on with some more work.
Trust your gut instinct over spreadsheets. There are too many variables in the real world that you simply can't put into a spreadsheet. Spreadsheets spit out results from your inexact assumptions and give you a false sense of security. In most cases, your heart and gut are still your best guide.