25 → 55 · Three decisions
Can you engineer an early, comfortable retirement?
Current age · Stage 1/3
25
Annual salary
$75,000
Net portfolio balance
$15,000
1% of $1,600,000 goal
Stage 1 of 3 · Ages 25–35
You are 25 years old, earning $75,000/year with $15,000 saved. You have an extra $500 every month to deploy.
Low-cost broad market equities
Put your $500 monthly savings entirely into a diversified index fund portfolio. Low fees, steady historical returns (~8%).
Explore the numbers · 10 years
Sliders are for exploration; choosing this path uses the fixed story balance of $85,000.
Career investment + asset split
Split your savings: $300 into index funds and $200 into a high-tier professional certification to accelerate your salary growth.
Explore the numbers · 10 years
Sliders are for exploration; choosing this path uses the fixed story balance of $98,000.
Aggressive saving & duplex house-hacking
Save aggressively for 5 years, then purchase a small duplex, renting out one unit to cover your mortgage overhead.
Explore the numbers · 10 years
Sliders are for exploration; choosing this path uses the fixed story balance of $110,000.