(Individual) Liquidity Constraint Q next, something, mortgage, current

hw0799

It seems there is some contradiction in the the solutions for the liquidity contraints in the mocks.  Sometimes they just mention current cash outflow or next year outflow and then other times they go out further like if they are retiring in 3 years or something detailing annual cash flows.  For example, Year 1 100k for mortgage repayment then Year 3 x amount to fund retirement.  
I might be getting confused w/ solutions I have seen in non-CFAI tests but yeah I just want to clear it up.  So please tell me your approach.

pennyless

typically they will say “liquidity statement for 20xx”.  Then you know what to do.  If they simply state liquidity constraint with no date, i explain the whole shebang.