What this stage solves
Investing works best when the money has a sufficiently long horizon. Keep emergency cash and money needed for near-term obligations separate from long-term investment capital.
Set the boundary
Define an annual amount you can invest without relying on that money for routine bills. The purpose is not to maximize the number; it is to make the plan sustainable.
Use CIL
Enter that annual amount in the workspace. It becomes the common input for the funding-cost tools.
Before marking this stage complete
Make sure you understand the concept and have checked any live information that applies to your own situation. Completion in CIL is a personal progress marker, not verification by CIL.