MaxiFi discovers your safe, available, sustainable annual discretionary spending. This approach is entirely unique among financial planning tools. It looks at your lifetime resources and fixed expenses and backs into your annual discretionary spending amount. If you were to add some trivial expense or receipt in some distant year of your plan, it would change the discretionary spending available in the current year. 

MaxiFi does not ask you to break down this annual total of discretionary spending into what you spend it on. You may discover that you have annual discretionary spending (spending available after paying fixed expenses) of say $75,000 or perhaps $275,000. In either case, this is your annual allowance that you can safely spend after paying fixed expenses like housing and taxes. 

You can track this discretionary spending monthly in your own spreadsheet or budgeting app or use MaxiFi's Budget Tool to track this $75,000 or however much you discover that you have. And its there, in a dedicated budgeting sheet or application that you might specify how that money is spent. The best practice is not to use Special Expenses for ordinary expenses like groceries or dining out. Some users track how much of their discretionary spending goes out the door each month without bothering to track exactly what it is spent on.