Nominal Return error?: Schweser BK1: 2AM Q1 all, something, therefore, practice

Otabek

Yep I’m in the slow lane with the mocks/practice papers.
Could use some input here with Q1 Exam 2 AM
Salary not indexed so no increase
Costs increase with inflation (therefore 2% higher than last year)
116k/3.75m = 3.1%
Totally get all of that.
When Schweser add another 3% to that return requirement. Now I’m lost. Can’t see this as an errata. What’s going on? Am I missing something fundamental?
Thanks,
APP

Valores

I think I am. Purchasing power of the portfolio. Sorry guys.
(3.75m * 1.02 +116k)/3.75 m is 5.1% so it checks out