DanaB27,
This is very helpful. Unfortunely, the ending balance is more than $11,500 for 2012. It was around $17,350 in 12/2012. 2013, ending balance in 12/2013 was around $21,550. In 12/2018, ending balance was $39,381. How to calculate if the December 31, 20XX balance more than the excess amount?
