Please help!!!!

This is for a 23 year old, who is engaged. Making about 100,000 a year. Numbers do not need to be super accurate I just need an idea of how to do this.

Life Insurance Financial Needs Analysis Worksheet
Step 1: Calculate the Family's Income (Cash Flow) Needs for Each Period.
				Empty Nest/
				Blackout Period
				of Surviving
	Readjustment	Child(ren)'s Age(s)	Child(ren)'s Age(s)	Spouse
	(1 or 2 Years)	(X - 16)	(17 - 18)	(Age xX - 60)
Surviving Spouse's Age	2	X	18	55
Deceased Spouse's (Would Be) Age
Annual Income Needed
Less Assumed OASDI (Social Security)
Net Annual Income Needed (PMT)
i = [{1 + Nominal Return/1 + Inflation)-1] x 100
N = Years Needed
PV of Net Annual Income Needed (Use Begin Mode)
Discount Period
Present Value Today
Sum of Present Value of Total Income Needed