If my previous mail is clear to you ... now you can start solving your
first issue ...
From a practical standpoint :
1. building your PTO Rule, I would have everything converted into
months :
Months Days
6 2
12 10
24 14
36 19
192 25
312 30

2. Then, I would highlight the range starting from 6 down to 30 and
Insert Name Define and give the name PTORule to this range.

3. Then, back to the original worksheet, add a column PTO Rights, and
assuming the Hire Date is located in column E , the formula would be :
=VLOOKUP(DATEDIF(E16,TODAY(),"Y")*12+DATEDIF(E16,T ODAY(),"YM"),PTORule,2,1)

If you get this to work properly, then you will move on ...

HTH
Cheers
Carim