@ John,

I like it.

In fact I borrowed your idea and extended it a bit to the Data Validation lists and the original month row (9).

I am kind of stuck right now on how to explain simply what I've done though. Quite a few changes. I am afraid I will unnecessarily risk introducing confusion.

I would suggest a slight change to your formula. OP wants YTD to be all
what kind of edit should I make in the Qtr formula so that I get the sum of Qtrs spend, loss, and save for all the people instead of individual.
Removing the name ($A$11:$A$14=$A$1) criteria does the trick.

=SUMPRODUCT(($B$11:$S$14)*($B$10:$S$10=B$1)*(MONTH($B$7:$S$7)<=MONTH(TODAY())))


Thanks for the backup and assist. It's appreciated. I love team-builds.