Still Years
You
Age
Expected age
If you stay, you stop at
23 more working years if you don't leave early.
What you have
Invested
Cash
Home equity
Home at retirement
Same as the equity you have
Social Security or pension
What life costs
Annual spending
$5,333 a month
Saved each year if you stay
The job, and how safe
How the job feels
8
I need out
How safe you want this
Balanced
Stock market return
10.5%
S&P 500 long-run is 10.5%
Inflation
3.0%
Real return 7.3%
Effective time
48
calendar years left
26.9
effective years if you leave now
43,036
high-agency hours
A free year at 42 is worth about 2.6× a free year at 75.
A free year at 42 is worth about the same as a free year at 40.
- Now · 42
- Free · 50
- Work until · 65
- Expected age · 90
Keep saving and freedom arrives around age 50 (about 8 years). That wait spends about 6.9 effective mobile years and leaves about 20.
Working until 65 spends about 18.6 effective mobile years and leaves about 8.3 free ones.
The numbers
- Portfolio
- $1,050,000
- Home equity
- $220,000
- Home at retirement
- $220,000
- From the house
- $0
- Net worth
- $1,270,000
- Monthly spend
- $5,333
- Withdrawal rate
- 3.3%
- Market return
- 10.5%
- Inflation
- 3.0%
- Real return
- 7.3%
- Multiple
- 30.5× spending
- Freedom number
- $1,951,220
- Classic 25×
- $1,600,000
- Still short
- $901,220
- Idle years
- 0 on hand · 2 wanted
- Cash runway
- 13 months
- Calendar years left
- 48
- Effective years now
- 26.9
- High-agency hours
- 43,036