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  1. pandas
  2. 薪水漲幅 = pd.Series(1.03, 預測時段).cumprod()
  3. 每年薪水 = 每月薪水*12*薪水漲幅
  4. 開銷浮動 = pd.Series(np.random.randn(len(預測時段)*0.2+0.9, 預測時段))
  5. 每月開銷 = 每月開銷 * 開銷浮動
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