Contributions the plan could not afford

A contribution you enter is an intention, not a fact. If your take-home minus living costs minus housing does not leave the money, the contribution cannot happen.

What the engine does

In each month it funds contributions from what is actually available. A contribution it cannot fund is skipped, not borrowed, and the plan carries a warning naming it.

This is the same honesty rule as the shortfall: the engine reports a gap rather than quietly forgiving it. A projection that funds contributions out of nothing would show a net worth nobody can reach.

What to do about it

Either lower the contribution, or look at what is consuming the cash — living expenses, loan payments, or a housing purchase whose carrying costs land before the plan can absorb them. The year-by-year table below the chart shows which years are tight.