Cody Sebastian, of Lubbock, Texas, earns $58,000 a year. He pays 16 percent of his gross income in federal, state, and local taxes. He has fixed expenses in addition to taxes of $1,600 per month and variable expenses that average $1,500 per month. What is his net cash flow (surplus or deficit) for the year? Enter negative values with minus sign. Round your answer to the nearest dollar.