Vince
Sample planRestaurant Manager · 59 · Nassau County, NY
married to Patty, who books appointments at a dental office two days a week; one kid out of school and a Parent PLUS loan still in their name
A heart thing took him off sixty-hour weeks, so he dropped to part-time and lost the restaurant group's health plan. The brokerage account was supposed to cover the gap. Which account he draws it from changes the premium by more than the draw.
The money lasts to 95. The plan is keeping counted income under a line that moved in July
Income streams
Savings — $600,000
Spending
The 12-month glide
- 12 months out
Find out whose job the health plan is actually on. In a two-earner household it is usually one of them, and the day that person goes part-time is the day the household starts buying its own cover, whatever the other one is still earning.
- 9 months out
Pull last year's return and find adjusted gross income. That number, not the balance, prices the premium. Two households with identical savings and identical spending pay very different amounts for the same policy.
- 6 months out
Work out what a year of spending costs in counted income depending on where it comes from. A dollar out of the 401(k) counts in full. A dollar out of the brokerage counts only to the extent it is gain. The difference is the whole bridge.
- 3 months out
Check the Parent PLUS loan. It is in the parents' name, nothing about retiring makes it smaller, and the window to move it onto an income-driven plan closed on 30 June 2026.
Now run Vince’s plan.
Open the What-If board with Vince’s exact numbers — drag a lever and watch the earliest age Vince can actually retire.
Explore Vince’s What-If →