Family of 4, $85K Income, $300K Mortgage: DIME Says $1.14M Coverage (Term Costs $50/mo)
DIME framework: Debts $315K + Income replacement $1.275M + Mortgage already counted + Education $200K = $1.79M needed. Subtract existing $650K (savings + spouse income capacity) = $1.14M coverage gap. 20-year term: $40-60/month.