Usage:
Calculate net take-home pay including employer retirement savings match using the formula laid out by Mr. Money Mustache:
https://www.mrmoneymustache.com/2015/01/26/calculating-net-worth/
Args:
gross_pay: gross monthly pay.
employer_match: the 401(k) match from your employer.
taxes_and_fees: taxes and fees deducted from your paycheck.
Returns:
Your monthly take-home pay.