XM advice needed

[trism]

@bunnny

not entirely comfortable using the LH calculator

LH Calculator and how to use it

One of the more common posts we see here are from people trying to utilize the LH Calculator and struggling to get the correct numbers. More often than not, this is the result of user error, so let this be a guide on how to use the calculator and what values go where. With that said, a few starting notes. Read these 3 times before continuing: The calculator is not perfect, there are some limitations in how things are calculated. Do not expect to match an offer perfectly. There are often diffe…