Retirement Planner — Kathy & Mel
👩 Kathy — Retirement Age
62
Retires 2039 · born May 1977
👨 Mel — Retirement Age
62
Retires 2032 · born April 1970
🏥 Health Insurance at First Retirement
Kathy (age 55)
Employer plan
$0 — covered
Employer plan
$0 — covered
Mel (age 62)
On Kathy's plan
$0 — covered
On Kathy's plan
$0 — covered
Chance your money lasts to age 90
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Typical fund at retirement (middle case)
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Bad market scenario (10th percentile)
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Good market scenario (90th percentile)
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📊 Base outcomes
Fund at first retirement
$3,271,587
Year-1 retirement expenses
$115,969
Years funds last
40 yrs
Depleted year
2072
Depleted: Mel's age
102
Depleted: Kathy's age
95
Jo's edu fund entering college
$198,964
Jo's edu fund after college (neg = spilled to retirement)
$101,023
Fund balance (base case)MC p10–p90 bandSS incomeNet drawHealth costs
Key events — Kathy retires: 2039 (age 62) | Mel retires: 2032 (age 62) | Conservative shift: 2030 | Mel SS at 62: 2032 | Mel Medicare: 2035 | Kathy SS at 62: 2039 | Kathy Medicare: 2042