Why is the family need calculation considered more comprehensive?

The family need calculation is considered more comprehensive because it assesses employment benefits and social security. This aspect is crucial as it takes into account not just the immediate income from a job, but also the additional safety nets that can provide financial stability to a family. Employment benefits, such as health insurance, retirement contributions, and paid time off, can significantly impact a family's financial situation and planning. Similarly, social security benefits are vital for long-term financial security, particularly in retirement planning.

By incorporating these elements, the family need calculation offers a more holistic view of a family's financial needs, as it evaluates all sources of income and support that may influence their overall financial health and planning strategy. This depth is essential for more accurate and realistic financial planning compared to merely looking at income or savings.