Retirement plan “CHANGE”

I have a retirement plan and our professor gave us a “twist”. Make that change in the file.The twist is: “At the age of 68, your subject suffers a stroke and must remain in skilled care facility for the reminder of life – lives to 92”
Make that change in the excel table and all the necessary files.

CAREER EARNINGS YEAR 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 AGE 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 POSITION Product Manager in Technology Product Manager in Technology Product Manager in Technology Product Manager in Technology Product Manager in Technology Product Manager in Technology Product Manager in Technology Product Manager in Technology Senior Product Manager Senior Product Manager Senior Product Manager Senior Product Manager Senior Product Manager Director of Product Management Director of Product Management Director of Product Management Director of Product Management Director of Product Management Director of Product Management Director of Product Management Director of Product Management VP of Product Management VP of Product Management VP of Product Management VP of Product Management VP of Product Management VP of Product Management VP of Product Management VP of Product Management VP of Product Management VP of Product Management TOTAL/AVERAGE YOY RAISE (Promotion) 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 30.00% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 40.00% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 5.53% INCOME (After tax) $100,000.00 $103,500.00 $107,122.50 $110,871.79 $114,752.30 $118,768.63 $122,925.53 $159,803.19 $165,396.30 $171,185.17 $177,176.66 $183,377.84 $189,796.06 $196,438.93 $203,314.29 $210,430.29 $217,795.35 $225,418.19 $233,307.82 $241,473.60 $249,925.17 $349,895.24 $362,141.57 $374,816.53 $387,935.11 $401,512.84 $415,565.78 $430,110.59 $445,164.46 $460,745.21 $476,871.30 EST. EFFECTIVE INCOME TAX RATE 18.00% 18.00% 18.00% 18.00% 18.00% 19.00% 19.00% 19.00% 22.00% 22.00% 22.00% 22.00% 22.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 26.00% 26.00% 26.00% 26.00% 26.00% 26.00% 26.00% 26.00% 26.00% 26.00% $7,707,538.23 23% EST. INCOME (Before income tax) $118,000.00 $122,130.00 $126,404.55 $130,828.71 $135,407.71 $141,334.67 $146,281.38 $190,165.80 $201,783.49 $208,845.91 $216,155.52 $223,720.96 $231,551.20 $243,584.27 $252,109.72 $260,933.56 $270,066.23 $279,518.55 $289,301.70 $299,427.26 $309,907.21 $440,868.00 $456,298.38 $472,268.83 $488,798.23 $505,906.17 $523,612.89 $541,939.34 $560,907.22 $580,538.97 $600,857.83 $9,569,454.27 EST. INCOME (Before income & payroll tax) $127,027.00 $131,472.95 $136,074.50 $140,837.11 $145,766.40 $152,146.77 $157,471.91 $204,713.48 $217,109.35 $224,274.18 $231,689.78 $239,364.92 $247,308.69 $259,516.24 $268,165.31 $277,117.09 $292,582.19 $302,171.57 $312,096.57 $322,368.95 $333,000.87 $465,860.59 $481,514.71 $497,716.72 $514,485.81 $531,841.81 $556,005.28 $574,597.46 $593,840.37 $613,756.78 $634,370.27 $10,186,265.63 SS WITHHELD (6.2%) $7,316.00 $7,572.06 $7,837.08 $8,111.38 $8,395.28 $8,762.75 $9,069.45 $11,790.28 $12,400.00 $12,400.00 $12,400.00 $12,400.00 $12,400.00 $12,400.00 $12,400.00 $12,400.00 $18,600.00 $18,600.00 $18,600.00 $18,600.00 $18,600.00 $18,600.00 $18,600.00 $18,600.00 $18,600.00 $18,600.00 $24,800.00 $24,800.00 $24,800.00 $24,800.00 $24,800.00 $478,054.28 MEDICARE WITHHELD (1.45%) $1,711.00 $1,770.89 $1,832.87 $1,897.02 $1,963.41 $2,049.35 $2,121.08 $2,757.40 $2,925.86 $3,028.27 $3,134.26 $3,243.95 $3,357.49 $3,531.97 $3,655.59 $3,783.54 $3,915.96 $4,053.02 $4,194.87 $4,341.70 $4,493.65 $6,392.59 $6,616.33 $6,847.90 $7,087.57 $7,335.64 $7,592.39 $7,858.12 $8,133.15 $8,417.82 $8,712.44 $138,757.09 Using current SS income limit of $168,600 Estimating SS income limit is increased to $200,000 Estimating SS income limit is increased to $300,000 Estimating SS income limit is increased to $400,000 CURRENT ASSETS Year Type 2024 Salary (Post-tax) 2024 Car 2022 Family-size SUV (Value) 2024 Savings & Investment Accounts TOTAL $ $ TBD TBD Amount 100,000.00 100,000.00 $ 200,000.00 CURRENT LIABILITIES Year 2024 Mortgage 2024 Car Loan Type TOTAL $ $ Amount (350,000.00) (20,000.00) $ (370,000.00) RENT ASSETS Notes Product Manager in Technology salary Down payment for first home Purchased in 2022; net of depreciation TBD Sum of Roth IRA, 401(k), and other accounts NT LIABILITIES Notes 30 yr. Fixed mortgage, Home price $450,000 Loan balance TBD; bought for $20,000 MONTHLY EXPENSE BREAKDOWN EXPENSES AGE 35-53 (Children) Property Tax Mortgage (30 years) Food & Entertainment Utilities Car Child misc. Monthly $ (600.00) $ (3,200.00) $ (1,500.00) $ (300.00) $ (1,000.00) $ (800.00) Healthcare $ (800.00) Internet $ (450.00) TOTAL $ (8,650.00) YEARLY EXPENSES YEAR AGE 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 INFLATION 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% NO CHILDREN EXPENSES BEGIN 2043 2044 2045 2046 2047 2048 2049 54 55 56 57 58 59 60 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 2050 2051 2052 2053 2054 61 62 63 64 65 4.00% 4.00% 4.00% 4.00% 4.00% RETIREMENT EXPENSES BEGIN 2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065 2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076 2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087 2088 2089 2090 2091 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 2092 2093 2094 2095 2096 2097 2098 2099 TOTAL 103 104 105 106 107 108 109 110 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% E BREAKDOWN EXPENSES AGE 54-65 (Post chiildren) Property Tax Mortgage (30 years) Food & Entertainment Utilities Car Healthcare Monthly 2043 INFLATION ADJUSTED $ (600.00) $ (1,200.00) $ (3,200.00) $ (3,200.00) $ (1,500.00) $ (3,000.00) $ (300.00) $ (600.00) $ (1,000.00) $ (2,000.00) $ (800.00) $ (1,600.00) Internet $ (800.00) $ (1,600.00) TOTAL $ (8,200.00) $ (13,200.00) PENSES $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ YEARLY EXPENSES (103,800.00) (107,952.00) (112,270.08) (116,760.88) (121,431.32) (126,288.57) (131,340.11) (136,593.72) (142,057.47) (147,739.77) (153,649.36) (159,795.33) (166,187.14) (172,834.63) (179,748.02) (186,937.94) (194,415.45) (202,192.07) (210,279.75) PENSES BEGIN $ $ $ $ $ $ $ *Child goes to college* (158,400.00) (164,736.00) (171,325.44) (178,178.46) (185,305.60) (192,717.82) (200,426.53) $ $ $ $ $ (208,443.59) (216,781.34) (225,452.59) (234,470.69) (243,849.52) ENSES BEGIN $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ *30 year mortgage is paid off* (190,800.00) (198,432.00) (206,369.28) (214,624.05) (223,209.01) (232,137.37) (241,422.87) (251,079.78) (261,122.97) (271,567.89) (282,430.61) (293,727.83) (305,476.95) (317,696.03) (330,403.87) (343,620.02) (357,364.82) (371,659.41) (386,525.79) (401,986.82) (418,066.30) (434,788.95) (452,180.51) (470,267.73) (489,078.43) (508,641.57) (528,987.23) (550,146.72) (572,152.59) (595,038.70) (618,840.24) (643,593.85) (669,337.61) (696,111.11) (723,955.56) (752,913.78) (783,030.33) $ $ $ $ $ $ $ $ (814,351.54) (846,925.61) (880,802.63) (916,034.74) (952,676.13) (990,783.17) (1,030,414.50) (1,071,631.08) $ (28,344,769.20) EXPENSES AGE 66-110 (Retirement) Property Tax Food & Entertainment Utilities Car Healthcare (After Medicare) Internet Monthly 2055 INFLATION ADJUSTED (600.00) $ (1,800.00) (2,000.00) $ (6,000.00) (400.00) $ (1,200.00) (600.00) $ (1,800.00) (1,500.00) $ (4,500.00) (200.00) $ (600.00) $ $ $ $ $ $ TOTAL $ (5,300.00) $ (15,900.00) INCOME AFTER EXPENSES YEAR 2024 $ 2025 $ 2026 $ 2027 $ 2028 $ 2029 $ 2030 $ 2031 $ 2032 $ 2033 $ 2034 $ 2035 $ 2036 $ 2037 $ 2038 $ 2039 $ 2040 $ 2041 $ 2042 $ 2043 $ 2044 $ 2045 $ 2046 $ 2047 $ 2048 $ 2049 $ 2050 $ 2051 $ 2052 $ 2053 $ 2054 $ TOTAL $ INCOME (After tax) 100,000.00 103,500.00 107,122.50 110,871.79 114,752.30 118,768.63 122,925.53 159,803.19 165,396.30 171,185.17 177,176.66 183,377.84 189,796.06 196,438.93 203,314.29 210,430.29 217,795.35 225,418.19 233,307.82 241,473.60 249,925.17 349,895.24 362,141.57 374,816.53 387,935.11 401,512.84 415,565.78 430,110.59 445,164.46 460,745.21 476,871.30 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ EXPENSES (103,800.00) (107,952.00) (112,270.08) (116,760.88) (121,431.32) (126,288.57) (131,340.11) (136,593.72) (142,057.47) (147,739.77) (153,649.36) (159,795.33) (166,187.14) (172,834.63) (179,748.02) (186,937.94) (194,415.45) (202,192.07) (210,279.75) (158,400.00) (164,736.00) (171,325.44) (178,178.46) (185,305.60) (192,717.82) (200,426.53) (208,443.59) (216,781.34) (225,452.59) (234,470.69) (243,849.52) 7,707,538.23 $ (5,252,361.20) EST. SOCIAL SECURITY YEAR 2056 $ ANNUAL AMOUNT 58,476.00 INFLATION ADJUSTMENT 2.00% 2057 $ 59,645.52 2.00% 2058 $ 60,838.43 2.00% 2059 $ 62,055.20 2.00% 2060 $ 63,296.30 2.00% 2061 $ 64,562.23 2.00% 2062 $ 65,853.47 2.00% 2063 $ 67,170.54 2.00% 2064 $ 68,513.95 2.00% 2065 $ 69,884.23 2.00% 2066 $ 71,281.92 2.00% 2067 $ 72,707.56 2.00% 2068 $ 74,161.71 2.00% 2069 $ 75,644.94 2.00% 2070 $ 77,157.84 2.00% 2071 $ 78,701.00 2.00% 2072 $ 80,275.02 2.00% 2073 $ 81,880.52 2.00% 2074 $ 83,518.13 2.00% 2075 $ 85,188.49 2.00% 2076 $ 86,892.26 2.00% 2077 $ 88,630.11 2.00% 2078 $ 90,402.71 2.00% 2079 $ 92,210.76 2.00% 2080 $ 94,054.98 2.00% 2081 $ 95,936.08 2.00% 2082 $ 97,854.80 2.00% 2083 $ 99,811.89 2.00% 2084 $ 101,808.13 2.00% 2085 $ 103,844.29 2.00% 2086 $ 105,921.18 2.00% 2087 $ 108,039.60 2.00% 2088 $ 110,200.40 2.00% 2089 $ 112,404.40 2.00% 2090 $ 114,652.49 2.00% 2091 $ 116,945.54 2.00% 2092 $ 119,284.45 2.00% 2093 $ 121,670.14 2.00% 2094 $ 124,103.54 2.00% 2095 $ 126,585.62 2.00% 2096 $ 129,117.33 2.00% 2097 $ 131,699.67 2.00% 2098 $ 134,333.67 2.00% 2099 $ 137,020.34 2.00% TOTAL $ 4,064,237.38 401(k) YEAR EMPLOYEE CONTRIBUTION (3.5%) EMPLOYER MATCH (3.5%) 2024 $ 2025 $ 2026 $ 4,130.00 $ 4,274.55 $ 4,424.16 $ 4,130.00 4,274.55 4,424.16 2027 $ 4,579.00 $ 4,579.00 2028 $ 4,739.27 $ 4,739.27 2029 $ 4,946.71 $ 4,946.71 2030 $ 5,119.85 $ 5,119.85 2031 $ 6,655.80 $ 6,655.80 2032 $ 7,062.42 $ 7,062.42 2033 $ 7,309.61 $ 7,309.61 2034 $ 7,565.44 $ 7,565.44 2035 $ 7,830.23 $ 7,830.23 2036 $ 8,104.29 $ 8,104.29 2037 $ 8,525.45 $ 8,525.45 2038 $ 8,823.84 $ 8,823.84 2039 $ 9,132.67 $ 9,132.67 2040 $ 9,452.32 $ 9,452.32 2041 $ 9,783.15 $ 9,783.15 2042 $ 10,125.56 $ 10,125.56 2043 $ 2044 $ 2045 $ 2046 $ 2047 $ 2048 $ 2049 $ 2050 $ 2051 $ 2052 $ 2053 $ 10,479.95 10,846.75 15,430.38 15,970.44 16,529.41 17,107.94 17,706.72 18,326.45 18,967.88 19,631.75 20,318.86 10,479.95 10,846.75 15,430.38 15,970.44 16,529.41 17,107.94 17,706.72 18,326.45 18,967.88 19,631.75 20,318.86 $ $ $ $ $ $ $ $ $ $ $ 2054 $ 2055 $ 2056 $ 2057 $ 2058 $ 2059 $ 2060 $ 2061 $ 2062 $ 2063 $ 2064 $ 2065 $ 2066 $ 2067 $ 2068 $ 2069 $ 2070 $ 2071 $ 2072 $ 2073 $ 2074 $ 2075 $ 2076 $ 2077 $ 2078 $ 2079 $ 2080 $ 2081 $ 2082 $ 2083 $ 2084 $ 2085 $ 2086 $ 2087 $ 2088 $ 2089 $ 2090 $ 2091 $ 2092 $ 2093 $ 2094 $ 2095 $ 2096 $ 21,030.02 – $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 21,030.02 – 2097 $ 2098 $ 2099 $ TOTAL $ – $ $ $ – 334,930.90 $ 334,930.90 ROTH IRA YEAR 2024 $ 2025 $ 2026 $ 2027 $ 2028 $ 2029 $ 2030 $ 2031 $ 2032 $ 2033 $ 2034 $ 2035 $ 2036 $ 2037 $ 2038 $ 2039 $ 2040 $ 2041 $ 2042 $ 2043 $ 2044 $ 2045 $ 2046 $ 2047 $ 2048 $ 2049 $ 2050 $ 2051 $ 2052 $ 2053 $ 2054 $ 2055 $ 2056 $ 2057 $ CONTRIBUTION EST. RETURN 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 – 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 2058 $ 2059 $ 2060 $ 2061 $ 2062 $ 2063 $ 2064 $ 2065 $ 2066 $ 2067 $ 2068 $ 2069 $ 2070 $ 2071 $ 2072 $ 2073 $ 2074 $ 2075 $ 2076 $ 2077 $ 2078 $ 2079 $ 2080 $ 2081 $ 2082 $ 2083 $ 2084 $ 2085 $ 2086 $ 2087 $ 2088 $ 2089 $ 2090 $ 2091 $ 2092 $ 2093 $ 2094 $ 2095 $ 2096 $ 2097 $ 2098 $ 2099 $ TOTAL $ – 202,000.00 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% INVESTING ACCOUNT YEAR 2024 $ 2025 $ 2026 $ 2027 $ 2028 $ 2029 $ 2030 $ 2031 $ 2032 $ 2033 $ 2034 $ 2035 $ 2036 $ 2037 $ 2038 $ 2039 $ 2040 $ 2041 $ 2042 $ 2043 $ 2044 $ 2045 $ 2046 $ 2047 $ 2048 $ 2049 $ 2050 $ 2051 $ 2052 $ 2053 $ 2054 $ 2055 $ 2056 $ 2057 $ 2058 $ 2059 $ 2060 $ 2061 $ 2062 $ CONTRIBUTION (11,144.00) (11,781.24) (12,457.39) (13,174.48) (13,934.63) (14,773.32) (15,627.54) 8,442.94 8,221.13 8,108.64 7,969.48 7,801.82 7,603.70 7,263.08 6,993.95 5,887.74 5,542.06 5,154.37 4,722.01 52,474.91 53,873.94 124,911.54 128,794.14 132,785.22 136,887.48 141,103.67 145,436.59 149,889.10 154,464.09 159,164.52 163,993.40 – EST. RETURN 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 2063 $ 2064 $ 2065 $ 2066 $ 2067 $ 2068 $ 2069 $ 2070 $ 2071 $ 2072 $ 2073 $ 2074 $ 2075 $ 2076 $ 2077 $ 2078 $ 2079 $ 2080 $ 2081 $ 2082 $ 2083 $ 2084 $ 2085 $ 2086 $ 2087 $ 2088 $ 2089 $ 2090 $ 2091 $ 2092 $ 2093 $ 2094 $ 2095 $ 2096 $ 2097 $ 2098 $ 2099 $ TOTAL $ – 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 1,534,596.90 SAVINGS ACCOUNT YEAR CONTRIBUTION EST. RETURN 2024 $ 2025 $ 2026 $ 2027 $ 2028 $ 2029 $ 2030 $ 2031 $ 2032 $ 2033 $ 2034 $ 2035 $ 2036 $ 2037 $ 2038 $ 2039 $ 2040 $ 2041 $ 2042 $ 2043 $ 2044 $ 2045 $ 2046 $ 2047 $ 2048 $ 2049 $ 2050 $ 2051 $ 2052 $ 2053 $ 2054 $ 2055 $ 2056 $ 2057 $ 2058 $ 2059 $ 2060 $ 2061 $ 2062 $ 2063 $ 2064 $ 2065 $ 2066 $ (2,786.00) (2,945.31) (3,114.35) (3,293.62) (3,483.66) (3,693.33) (3,906.89) 2,110.73 2,055.28 2,027.16 1,992.37 1,950.45 1,900.93 1,815.77 1,748.49 1,471.94 1,385.52 1,288.59 1,180.50 13,118.73 13,468.48 31,227.88 32,198.53 33,196.30 34,221.87 35,275.92 36,359.15 37,472.27 38,616.02 39,791.13 40,998.35 – 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 2067 $ 2068 $ 2069 $ 2070 $ 2071 $ 2072 $ 2073 $ 2074 $ 2075 $ 2076 $ 2077 $ 2078 $ 2079 $ 2080 $ 2081 $ 2082 $ 2083 $ 2084 $ 2085 $ 2086 $ 2087 $ 2088 $ 2089 $ 2090 $ 2091 $ 2092 $ 2093 $ 2094 $ 2095 $ 2096 $ 2097 $ 2098 $ 2099 $ TOTAL $ – 383,649.23 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% TER EXPENSES 401(k) CONTRIBUTION (3.5%) AVAILABLE TO INVEST $ (4,130.000) $ (7,930.00) $ (4,274.550) $ (8,726.55) $ (4,424.159) $ (9,571.74) $ (4,579.005) $ (10,468.10) $ (4,739.270) $ (11,418.29) $ (4,946.713) $ (12,466.65) $ (5,119.848) $ (13,534.43) $ (6,655.803) $ 16,553.67 $ (7,062.422) $ 16,276.41 $ (7,309.607) $ 16,135.80 $ (7,565.443) $ 15,961.86 $ (7,830.234) $ 15,752.27 $ (8,104.292) $ 15,504.63 $ (8,525.449) $ 15,078.85 $ (8,823.840) $ 14,742.43 $ (9,132.674) $ 14,359.68 $ (9,452.318) $ 13,927.58 $ (9,783.149) $ 13,442.96 $ (10,125.559) $ 12,902.51 $ (10,479.954) $ 72,593.64 $ (10,846.752) $ 74,342.42 $ (15,430.380) $ 163,139.42 $ (15,970.443) $ 167,992.67 $ (16,529.409) $ 172,981.52 $ (17,107.938) $ 178,109.35 $ (17,706.716) $ 183,379.59 $ (18,326.451) $ 188,795.74 $ (18,967.877) $ 194,361.37 $ (19,631.753) $ 200,080.11 $ (20,318.864) $ 205,955.66 $ (21,030.024) $ 211,991.75 $ (334,930.899) $ $ EXPENSES PAID (58,476.00) $ (59,645.52) $ (60,838.43) $ (62,055.20) 2,120,246.13 $ (63,296.30) $ (64,562.23) $ (65,853.47) $ (67,170.54) $ (68,513.95) $ (69,884.23) $ (71,281.92) $ (72,707.56) $ (74,161.71) $ (75,644.94) $ (77,157.84) $ (78,701.00) $ (80,275.02) $ (81,880.52) $ (83,518.13) $ (85,188.49) $ (86,892.26) $ (88,630.11) $ (90,402.71) $ (92,210.76) $ (94,054.98) $ (95,936.08) $ (97,854.80) $ (99,811.89) $ (101,808.13) $ (103,844.29) $ (105,921.18) $ (108,039.60) $ (110,200.40) $ (112,404.40) $ (114,652.49) $ (116,945.54) $ (119,284.45) $ (121,670.14) $ (124,103.54) $ (126,585.62) SS payments go directly to expenses. Starts receiv $ (129,117.33) $ (131,699.67) $ (134,333.67) $ (137,020.34) $ (4,064,237.38) YEARLY CONTRIBUTION EST. RETURN YEAR END TOTAL $ $ $ 8,260.00 8,549.10 8,848.32 6% $ 6% $ 6% $ 8,755.60 18,342.98 28,822.78 $ 9,158.01 6% $ 40,259.64 $ 9,478.54 6% $ 52,722.47 $ 9,893.43 6% $ 66,372.85 $ 10,239.70 6% $ 81,209.30 $ 13,311.61 6% $ 100,192.16 $ 14,124.84 6% $ 121,176.02 $ 14,619.21 6% $ 143,942.95 $ 15,130.89 6% $ 168,618.26 $ 15,660.47 6% $ 195,335.46 $ 16,208.58 6% $ 224,236.68 $ 17,050.90 6% $ 255,764.84 $ 17,647.68 6% $ 289,817.27 $ 18,265.35 6% $ 326,567.57 $ 18,904.64 6% $ 366,200.54 $ 19,566.30 6% $ 408,912.85 $ 20,251.12 6% $ 454,913.81 $ $ $ $ $ $ $ $ $ $ $ 20,959.91 21,693.50 30,860.76 31,940.89 33,058.82 34,215.88 35,413.43 36,652.90 37,935.75 39,263.51 40,637.73 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 504,426.14 557,686.82 623,860.44 695,149.40 771,900.71 854,483.59 943,290.84 1,038,740.37 1,141,276.69 1,251,372.60 1,369,530.95 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 42,060.05 – 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 6% $ 1,496,286.46 1,555,726.45 1,649,070.04 1,748,014.24 1,852,895.09 1,964,068.80 2,081,912.92 2,206,827.70 2,339,237.36 2,479,591.60 2,628,367.10 2,786,069.13 2,953,233.27 3,130,427.27 3,318,252.91 3,517,348.08 3,728,388.97 3,952,092.30 4,189,217.84 4,440,570.91 4,707,005.17 4,989,425.48 5,288,791.01 5,606,118.47 5,942,485.57 6,299,034.71 6,676,976.79 7,077,595.40 7,502,251.12 7,952,386.19 8,429,529.36 8,935,301.12 9,471,419.19 10,039,704.34 10,642,086.60 11,280,611.80 11,957,448.51 12,674,895.42 13,435,389.14 14,241,512.49 15,096,003.24 16,001,763.43 16,961,869.24 $ $ $ – $ 669,861.80 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ YEAR END TOTAL 7,700.00 14,659.00 22,105.13 30,072.49 38,597.56 47,719.39 57,479.75 67,923.33 79,097.97 91,054.82 103,848.66 117,538.07 132,185.73 147,858.73 164,628.85 183,642.86 203,987.86 225,757.02 249,050.01 273,973.51 300,641.65 329,176.57 359,708.93 392,378.55 427,335.05 464,738.50 504,760.20 547,583.41 593,404.25 642,432.55 694,892.83 712,911.93 762,815.76 816,212.87 6% $ 6% $ 8% $ 17,979,581.40 19,058,356.28 20,583,024.78 $ 20,583,024.78 EXPENSES PAID $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ (28,620.00) (20,993.40) (22,008.56) Uses ROTH IRA for tax-free growth. Bas Uses this account for 15% *Retires and starts withdrawing* $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 873,347.77 934,482.11 999,895.86 1,069,888.57 1,144,780.77 1,224,915.42 1,310,659.50 1,402,405.67 1,500,574.06 1,605,614.25 1,718,007.24 1,838,267.75 1,966,946.49 2,104,632.75 2,251,957.04 2,409,594.03 2,578,265.62 2,758,744.21 2,951,856.30 3,158,486.24 3,379,580.28 3,616,150.90 3,869,281.46 4,140,131.17 4,429,940.35 4,740,036.17 5,071,838.70 5,426,867.41 5,806,748.13 6,213,220.50 6,648,145.94 7,113,516.15 7,611,462.28 8,144,264.64 8,714,363.17 9,324,368.59 9,977,074.39 10,675,469.60 11,422,752.47 12,222,345.14 13,077,909.30 13,993,362.96 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ (23,067.84) (24,173.07) (25,326.16) (26,529.10) (27,783.95) (29,092.86) (30,458.09) (31,881.96) (33,366.89) (34,915.41) (36,530.15) (38,213.84) (39,969.33) (41,799.57) (43,707.66) (45,696.79) (47,770.30) (49,931.67) (52,184.50) (54,532.56) (56,979.75) (59,530.15) (62,187.99) (64,957.67) (67,843.79) (70,851.10) (73,984.58) (77,249.39) (80,650.90) (84,194.70) (87,886.61) (91,732.67) (95,739.19) (99,912.72) (104,260.06) (108,788.32) (113,504.86) (118,417.37) (123,533.82) (128,862.52) (134,412.12) (140,191.61) $ 13,993,362.96 $ (2,854,225.59) YEAR END TOTAL ($12,258.4) ($26,443.6) ($42,791.1) ($61,562.1) ($83,046.4) ($107,601.7) ($135,552.2) ($139,820.2) ($144,759.0) ($150,315.4) ($156,580.5) ($163,656.5) ($171,658.1) ($180,834.5) ($191,224.6) ($203,870.6) ($218,161.4) ($234,307.7) ($252,544.3) ($220,076.3) ($182,822.6) ($63,702.2) $71,601.2 $224,825.0 $397,883.8 $592,886.2 $812,155.0 $1,058,248.6 $1,333,983.9 $1,642,463.3 $1,987,102.3 $2,038,896.6 $ $2,135,020.1 $ $2,235,544.8 $ $2,340,684.4 $ $2,450,664.4 $ $2,565,723.2 $ $2,686,112.8 $ $2,812,099.8 $ EXPENSES PAID Used as main source of investing f *Retires and starts withdrawing* (133,560.00) (97,969.20) (102,706.63) (107,649.93) (112,807.67) (118,188.75) (123,802.45) (129,658.42) $2,943,966.5 $3,082,011.6 $3,226,552.0 $3,377,923.9 $3,536,483.8 $3,702,610.8 $3,876,707.5 $4,059,202.4 $4,250,551.4 $4,451,240.6 $4,661,787.8 $4,882,745.7 $5,114,704.4 $5,358,294.3 $5,614,190.0 $5,883,112.9 $6,165,836.1 $6,463,188.0 $6,776,057.4 $7,105,398.4 $7,452,235.9 $7,817,671.9 $8,202,892.2 $8,609,173.5 $9,037,891.4 $9,490,529.3 $9,968,687.8 $10,474,095.4 $11,008,619.6 $11,574,279.9 $12,173,261.2 $12,807,929.1 $13,480,846.1 $14,194,790.5 $14,952,775.2 $15,758,070.5 $16,614,227.3 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ (135,766.70) (142,137.76) (148,782.46) (155,712.14) (162,938.57) (170,474.02) (178,331.25) (186,523.53) (195,064.68) (203,969.08) (213,251.69) (222,928.09) (233,014.46) (243,527.68) (254,485.28) (265,905.51) (277,807.37) (290,210.62) (303,135.81) (316,604.35) (330,638.49) (345,261.40) (360,497.17) (376,370.87) (392,908.60) (410,137.50) (428,085.81) (446,782.90) (466,259.35) (486,546.96) (507,678.83) (529,689.36) (552,614.38) (576,491.16) (601,358.45) (627,256.58) (654,227.52) $16,614,227.3 $ (13,319,719.44) YEAR END TOTAL Used as basic savings for em Used as basic savings for em ($3,064.6) ($6,040.0) ($9,200.1) ($12,556.2) ($16,120.0) ($19,912.4) ($23,938.4) ($21,936.8) ($19,980.9) ($18,043.5) ($16,131.4) ($14,251.9) ($12,412.7) ($10,649.9) ($8,945.9) ($7,511.4) ($6,156.5) ($4,892.2) ($3,730.3) $9,435.4 $23,018.4 $54,517.5 $87,149.6 $120,947.6 $155,945.4 $192,177.4 $229,679.2 $268,487.2 $308,638.8 $350,172.1 $393,126.3 $395,091.9 $397,067.4 $399,052.7 $401,048.0 $403,053.2 $405,068.5 $407,093.8 $409,129.3 $411,174.9 $413,230.8 $415,297.0 $417,373.4 $419,460.3 $421,557.6 $423,665.4 $425,783.7 $427,912.6 $430,052.2 $432,202.5 $434,363.5 $436,535.3 $438,718.0 $440,911.6 $443,116.1 $445,331.7 $447,558.4 $449,796.1 $452,045.1 $454,305.4 $456,576.9 $458,859.8 $461,154.1 $463,459.8 $465,777.1 $468,106.0 $470,446.5 $472,798.8 $475,162.8 $477,538.6 $479,926.3 $482,325.9 $484,737.5 $487,161.2 $489,597.0 $492,045.0 $492,045.0 ACCOUNT ALLOCATION AVAILABLE TO INVEST ROTH IRA $ (7,930.00) $ 6,000.00 $ (8,726.55) $ 6,000.00 $ (9,571.74) $ 6,000.00 $ (10,468.10) $ 6,000.00 $ (11,418.29) $ 6,000.00 $ (12,466.65) $ 6,000.00 $ (13,534.43) $ 6,000.00 $ 16,553.67 $ 6,000.00 $ 16,276.41 $ 6,000.00 $ 16,135.80 $ 6,000.00 $ 15,961.86 $ 6,000.00 $ 15,752.27 $ 6,000.00 $ 15,504.63 $ 6,000.00 $ 15,078.85 $ 6,000.00 $ 14,742.43 $ 6,000.00 $ 14,359.68 $ 7,000.00 $ 13,927.58 $ 7,000.00 $ 13,442.96 $ 7,000.00 $ 12,902.51 $ 7,000.00 $ 72,593.64 $ 7,000.00 $ 74,342.42 $ 7,000.00 $ 163,139.42 $ 7,000.00 $ 167,992.67 $ 7,000.00 $ 172,981.52 $ 7,000.00 $ 178,109.35 $ 7,000.00 $ 183,379.59 $ 7,000.00 $ 188,795.74 $ 7,000.00 $ 194,361.37 $ 7,000.00 $ 200,080.11 $ 7,000.00 $ 205,955.66 $ 7,000.00 $ 211,991.75 $ 7,000.00 $ INVESTING ACCOUNT $ (11,144.00) $ $ (11,781.24) $ $ (12,457.39) $ $ (13,174.48) $ $ (13,934.63) $ $ (14,773.32) $ $ (15,627.54) $ $ 8,442.94 $ $ 8,221.13 $ $ 8,108.64 $ $ 7,969.48 $ $ 7,801.82 $ $ 7,603.70 $ $ 7,263.08 $ $ 6,993.95 $ $ 5,887.74 $ $ 5,542.06 $ $ 5,154.37 $ $ 4,722.01 $ $ 52,474.91 $ $ 53,873.94 $ $ 124,911.54 $ $ 128,794.14 $ $ 132,785.22 $ $ 136,887.48 $ $ 141,103.67 $ $ 145,436.59 $ $ 149,889.10 $ $ 154,464.09 $ $ 159,164.52 $ $ 163,993.40 $ 2,120,246.13 $ 202,000.00 $ 1,534,596.90 $ Roth IRA recieves the maximum contribution each year. Investing account receiving 80% of remaining funds. Savings acount receiving 20%. SAVINGS (2,786.00) (2,945.31) (3,114.35) (3,293.62) (3,483.66) (3,693.33) (3,906.89) 2,110.73 2,055.28 2,027.16 1,992.37 1,950.45 1,900.93 1,815.77 1,748.49 1,471.94 1,385.52 1,288.59 1,180.50 13,118.73 13,468.48 31,227.88 32,198.53 33,196.30 34,221.87 35,275.92 36,359.15 37,472.27 38,616.02 39,791.13 40,998.35 383,649.23 tly to expenses. Starts receiving benefits at age 70. EXPENSES PAID $ $ $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ – $ $ $ $ $ $ $ $ $ $ $ – Puts 3.5% in and employer matches. Invests in more con $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ (28,620.00) (20,993.40) (22,008.56) (23,067.84) (24,173.07) (25,326.16) (26,529.10) (27,783.95) (29,092.86) (30,458.09) (31,881.96) (33,366.89) (34,915.41) (36,530.15) (38,213.84) (39,969.33) (41,799.57) (43,707.66) (45,696.79) (47,770.30) (49,931.67) (52,184.50) (54,532.56) (56,979.75) (59,530.15) (62,187.99) (64,957.67) (67,843.79) (70,851.10) (73,984.58) (77,249.39) (80,650.90) (84,194.70) (87,886.61) (91,732.67) (95,739.19) (99,912.72) (104,260.06) (108,788.32) (113,504.86) (118,417.37) (123,533.82) *Retires and starts withdrawing* $ $ $ (128,862.52) (134,412.12) (140,191.61) $ (2,854,225.59) es ROTH IRA for tax-free growth. Bases most of fund on nerd wallet for an average annual return of 7%. Uses this account for 15% of annual retirement expense after SS is used tires and starts withdrawing* ed as main source of investing for retirement. Mix of mutual funds and ETFs for an average an tires and starts withdrawing* s basic savings for emergency or future down payments for real s basic savings for emergency or future down payments for real RETIREMENT EXPENSES YEAR 2055 $ 2056 $ 2057 $ 2058 $ 2059 $ 2060 $ 2061 $ 2062 $ 2063 $ 2064 $ 2065 $ 2066 $ 2067 $ 2068 $ 2069 $ 2070 $ 2071 $ 2072 $ 2073 $ 2074 $ 2075 $ 2076 $ 2077 $ 2078 $ 2079 $ 2080 $ 2081 $ 2082 $ 2083 $ 2084 $ 2085 $ EXPENSES (190,800.00) $ (198,432.00) $ (206,369.28) $ (214,624.05) $ (223,209.01) $ (232,137.37) $ (241,422.87) $ (251,079.78) $ (261,122.97) $ (271,567.89) $ (282,430.61) $ (293,727.83) $ (305,476.95) $ (317,696.03) $ (330,403.87) $ (343,620.02) $ (357,364.82) $ (371,659.41) $ (386,525.79) $ (401,986.82) $ (418,066.30) $ (434,788.95) $ (452,180.51) $ (470,267.73) $ (489,078.43) $ (508,641.57) $ (528,987.23) $ (550,146.72) $ (572,152.59) $ (595,038.70) $ (618,840.24) $ SS Payments 2086 $ (643,593.85) $ 105,921.18 $ (537,672.67) 2087 $ (669,337.61) $ 108,039.60 $ (561,298.01) 2088 $ (696,111.11) $ 110,200.40 $ (585,910.72) 2089 $ 2090 $ (723,955.56) $ (752,913.78) $ 112,404.40 $ 114,652.49 $ (611,551.15) (638,261.29) 2091 $ (783,030.33) $ 116,945.54 $ (666,084.79) 2092 $ (814,351.54) $ 119,284.45 $ (695,067.09) 2093 $ (846,925.61) $ 121,670.14 $ (725,255.46) 58,476.00 59,645.52 60,838.43 62,055.20 63,296.30 64,562.23 65,853.47 67,170.54 68,513.95 69,884.23 71,281.92 72,707.56 74,161.71 75,644.94 77,157.84 78,701.00 80,275.02 81,880.52 83,518.13 85,188.49 86,892.26 88,630.11 90,402.71 92,210.76 94,054.98 95,936.08 97,854.80 99,811.89 101,808.13 103,844.29 EXPENSES AFTER SS $ (190,800.00) $ (139,956.00) $ (146,723.76) $ (153,785.62) $ (161,153.81) $ (168,841.07) $ (176,860.64) $ (185,226.31) $ (193,952.43) $ (203,053.94) $ (212,546.38) $ (222,445.92) $ (232,769.39) $ (243,534.32) $ (254,758.92) $ (266,462.18) $ (278,663.82) $ (291,384.40) $ (304,645.27) $ (318,468.70) $ (332,877.81) $ (347,896.69) $ (363,550.40) $ (379,865.02) $ (396,867.67) $ (414,586.60) $ (433,051.16) $ (452,291.93) $ (472,340.70) $ (493,230.57) $ (514,995.95) 2094 $ (880,802.63) $ 124,103.54 $ (756,699.09) 2095 $ (916,034.74) $ 126,585.62 $ (789,449.12) 2096 $ (952,676.13) $ 129,117.33 $ (823,558.80) 2097 $ (990,783.17) $ 131,699.67 $ (859,083.50) 2098 $ (1,030,414.50) $ 134,333.67 $ (896,080.83) 2099 $ (1,071,631.08) $ 137,020.34 $ (934,610.74) TOTAL $ (23,092,408.00) $ 4,064,237.38 $ (19,028,170.62) es. Invests in more conservative funds to return 8% annually. Pays 15% of annual retirement ge annual return of 7%. er SS is used ETFs for an average annual return of 10%. Used to pay 70% of annual retirement expenses af yments for real esate investing. yments for real esate investing. of annual retirement expenses after SS is used. tirement expenses after SS is used RETIREMENT EXPENSE BREAKDOWN YEAR AGE 2055 66 $ 2056 67 $ 2057 68 $ 2058 69 $ 2059 70 $ 2060 71 $ 2061 72 $ 2062 73 $ 2063 74 $ 2064 75 $ 2065 76 $ 2066 77 $ 2067 78 $ 2068 79 $ 2069 80 $ 2070 81 $ 2071 82 $ 2072 83 $ 2073 84 $ 2074 85 $ 2075 86 $ 2076 87 $ 2077 88 $ 2078 89 $ 2079 90 $ 2080 91 $ 2081 92 $ 2082 93 $ 2083 94 $ 2084 95 $ 2085 96 $ 2086 97 $ 2087 98 $ 2088 99 $ 2089 100 $ 2090 101 $ 2091 102 $ 2092 103 $ 2093 104 $ 2094 105 $ 2095 106 $ EXPENSES 190,800.00 198,432.00 206,369.28 214,624.05 223,209.01 232,137.37 241,422.87 251,079.78 261,122.97 271,567.89 282,430.61 293,727.83 305,476.95 317,696.03 330,403.87 343,620.02 357,364.82 371,659.41 386,525.79 401,986.82 418,066.30 434,788.95 452,180.51 470,267.73 489,078.43 508,641.57 528,987.23 550,146.72 572,152.59 595,038.70 618,840.24 643,593.85 669,337.61 696,111.11 723,955.56 752,913.78 783,030.33 814,351.54 846,925.61 880,802.63 916,034.74 PAID BY SS $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ PAID BY 401(k) $ (28,620.00) (58,476.00) $ (20,993.40) (59,645.52) $ (22,008.56) (60,838.43) $ (23,067.84) (62,055.20) $ (24,173.07) (63,296.30) $ (25,326.16) (64,562.23) $ (26,529.10) (65,853.47) $ (27,783.95) (67,170.54) $ (29,092.86) (68,513.95) $ (30,458.09) (69,884.23) $ (31,881.96) (71,281.92) $ (33,366.89) (72,707.56) $ (34,915.41) (74,161.71) $ (36,530.15) (75,644.94) $ (38,213.84) (77,157.84) $ (39,969.33) (78,701.00) $ (41,799.57) (80,275.02) $ (43,707.66) (81,880.52) $ (45,696.79) (83,518.13) $ (47,770.30) (85,188.49) $ (49,931.67) (86,892.26) $ (52,184.50) (88,630.11) $ (54,532.56) (90,402.71) $ (56,979.75) (92,210.76) $ (59,530.15) (94,054.98) $ (62,187.99) (95,936.08) $ (64,957.67) (97,854.80) $ (67,843.79) (99,811.89) $ (70,851.10) (101,808.13) $ (73,984.58) (103,844.29) $ (77,249.39) (105,921.18) $ (80,650.90) (108,039.60) $ (84,194.70) (110,200.40) $ (87,886.61) (112,404.40) $ (91,732.67) (114,652.49) $ (95,739.19) (116,945.54) $ (99,912.72) (119,284.45) $ (104,260.06) (121,670.14) $ (108,788.32) (124,103.54) $ (113,504.86) (126,585.62) $ (118,417.37) 2096 2097 2098 2099 107 $ 108 $ 109 $ 110 $ 952,676.13 990,783.17 1,030,414.50 1,071,631.08 $ $ $ $ TOTAL $ 23,092,408.00 $ (129,117.33) $ (131,699.67) $ (134,333.67) $ (137,020.34) $ (123,533.82) (128,862.52) (134,412.12) (140,191.61) (4,064,237.38) $ (2,854,225.59) NSE BREAKDOWN PAID BY ROTH IRA PAID BY INVESTMENT ACCOUNT $ (28,620.00) $ (133,560.00) $ $ (20,993.40) $ (97,969.20) $ $ (22,008.56) $ (102,706.63) $ $ (23,067.84) $ (107,649.93) $ $ (24,173.07) $ (112,807.67) $ $ (25,326.16) $ (118,188.75) $ $ (26,529.10) $ (123,802.45) $ $ (27,783.95) $ (129,658.42) $ $ (29,092.86) $ (135,766.70) $ $ (30,458.09) $ (142,137.76) $ $ (31,881.96) $ (148,782.46) $ $ (33,366.89) $ (155,712.14) $ $ (34,915.41) $ (162,938.57) $ $ (36,530.15) $ (170,474.02) $ $ (38,213.84) $ (178,331.25) $ $ (39,969.33) $ (186,523.53) $ $ (41,799.57) $ (195,064.68) $ $ (43,707.66) $ (203,969.08) $ $ (45,696.79) $ (213,251.69) $ $ (47,770.30) $ (222,928.09) $ $ (49,931.67) $ (233,014.46) $ $ (52,184.50) $ (243,527.68) $ $ (54,532.56) $ (254,485.28) $ $ (56,979.75) $ (265,905.51) $ $ (59,530.15) $ (277,807.37) $ $ (62,187.99) $ (290,210.62) $ $ (64,957.67) $ (303,135.81) $ $ (67,843.79) $ (316,604.35) $ $ (70,851.10) $ (330,638.49) $ $ (73,984.58) $ (345,261.40) $ $ (77,249.39) $ (360,497.17) $ $ (80,650.90) $ (376,370.87) $ $ (84,194.70) $ (392,908.60) $ $ (87,886.61) $ (410,137.50) $ $ (91,732.67) $ (428,085.81) $ $ (95,739.19) $ (446,782.90) $ $ (99,912.72) $ (466,259.35) $ $ (104,260.06) $ (486,546.96) $ $ (108,788.32) $ (507,678.83) $ $ (113,504.86) $ (529,689.36) $ $ (118,417.37) $ (552,614.38) $ TOTAL (190,800.00) (198,432.00) (206,369.28) (214,624.05) (223,209.01) (232,137.37) (241,422.87) (251,079.78) (261,122.97) (271,567.89) (282,430.61) (293,727.83) (305,476.95) (317,696.03) (330,403.87) (343,620.02) (357,364.82) (371,659.41) (386,525.79) (401,986.82) (418,066.30) (434,788.95) (452,180.51) (470,267.73) (489,078.43) (508,641.57) (528,987.23) (550,146.72) (572,152.59) (595,038.70) (618,840.24) (643,593.85) (669,337.61) (696,111.11) (723,955.56) (752,913.78) (783,030.33) (814,351.54) (846,925.61) (880,802.63) (916,034.74) YEAR 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 $ $ $ $ (123,533.82) $ (128,862.52) $ (134,412.12) $ (140,191.61) $ (576,491.16) $ (601,358.45) $ (627,256.58) $ (654,227.52) $ (952,676.13) (990,783.17) (1,030,414.50) (1,071,631.08) 2065 2066 2067 2068 $ (2,854,225.59) $ (13,319,719.44) $ (23,092,408.00) 2069 2070 2071 2072 2073 2074 2075 2076 2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087 2088 2089 2090 2091 2092 2093 2094 2095 2096 2097 2098 2099 ACCOUNT BALANCES AGE 35 $ 36 $ 37 $ 38 $ 39 $ 40 $ 41 $ 42 $ 43 $ 44 $ 45 $ 46 $ 47 $ 48 $ 49 $ 50 $ 51 $ 52 $ 53 $ 54 $ 55 $ 56 $ 57 $ 58 $ 59 $ 60 $ 61 $ 62 $ 63 $ 64 $ 65 $ 66 $ 67 $ 68 $ 69 $ 70 $ 71 $ 72 $ 73 $ 74 $ 75 $ 401(k) 8,755.60 18,342.98 28,822.78 40,259.64 52,722.47 66,372.85 81,209.30 100,192.16 121,176.02 143,942.95 168,618.26 195,335.46 224,236.68 255,764.84 289,817.27 326,567.57 366,200.54 408,912.85 454,913.81 504,426.14 557,686.82 623,860.44 695,149.40 771,900.71 854,483.59 943,290.84 1,038,740.37 1,141,276.69 1,251,372.60 1,369,530.95 1,496,286.46 1,555,726.45 1,649,070.04 1,748,014.24 1,852,895.09 1,964,068.80 2,081,912.92 2,206,827.70 2,339,237.36 2,479,591.60 2,628,367.10 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ ROTH IRA 7,700.00 14,659.00 22,105.13 30,072.49 38,597.56 47,719.39 57,479.75 67,923.33 79,097.97 91,054.82 103,848.66 117,538.07 132,185.73 147,858.73 164,628.85 183,642.86 203,987.86 225,757.02 249,050.01 273,973.51 300,641.65 329,176.57 359,708.93 392,378.55 427,335.05 464,738.50 504,760.20 547,583.41 593,404.25 642,432.55 694,892.83 712,911.93 762,815.76 816,212.87 873,347.77 934,482.11 999,895.86 1,069,888.57 1,144,780.77 1,224,915.42 1,310,659.50 INVESTMENT ACCOUNT SAVINGS ACCOUNT $ (12,258.40) $ (3,064.60) $ (26,443.60) $ (6,039.96) $ (42,791.09) $ (9,200.08) $ (61,562.13) $ (12,556.17) $ (83,046.44) $ (16,120.02) $ (107,601.74) $ (19,912.42) $ (135,552.21) $ (23,938.40) $ (139,820.20) $ (21,936.81) $ (144,758.98) $ (19,980.93) $ (150,315.37) $ (18,043.54) $ (156,580.47) $ (16,131.43) $ (163,656.52) $ (14,251.88) $ (171,658.10) $ (12,412.71) $ (180,834.53) $ (10,649.92) $ (191,224.64) $ (8,945.94) $ (203,870.59) $ (7,511.38) $ (218,161.38) $ (6,156.49) $ (234,307.71) $ (4,892.24) $ (252,544.27) $ (3,730.29) $ (220,076.29) $ 9,435.38 $ (182,822.59) $ 23,018.38 $ (63,702.16) $ 54,517.49 $ 71,601.17 $ 87,149.61 $ 224,825.03 $ 120,947.64 $ 397,883.76 $ 155,945.36 $ 592,886.17 $ 192,177.38 $ 812,155.04 $ 229,679.21 $ 1,058,248.55 $ 268,487.25 $ 1,333,983.91 $ 308,638.79 $ 1,642,463.27 $ 350,172.07 $ 1,987,102.34 $ 393,126.27 $ 2,038,896.57 $ 395,091.90 $ 2,135,020.11 $ 397,067.36 $ 2,235,544.83 $ 399,052.70 $ 2,340,684.38 $ 401,047.96 $ 2,450,664.38 $ 403,053.20 $ 2,565,723.20 $ 405,068.47 $ 2,686,112.83 $ 407,093.81 $ 2,812,099.85 $ 409,129.28 $ 2,943,966.46 $ 411,174.92 $ 3,082,011.57 $ 413,230.80 76 $ 77 $ 78 $ 79 $ 2,786,069.13 2,953,233.27 3,130,427.27 3,318,252.91 $ $ $ $ 80 $ 3,517,348.08 $ 81 $ 82 $ 83 $ 84 $ 85 $ 86 $ 87 $ 88 $ 89 $ 90 $ 91 $ 92 $ 93 $ 94 $ 95 $ 96 $ 97 $ 98 $ 99 $ 100 $ 101 $ 102 $ 103 $ 104 $ 105 $ 106 $ 107 $ 108 $ 109 $ 3,728,388.97 3,952,092.30 4,189,217.84 4,440,570.91 4,707,005.17 4,989,425.48 5,288,791.01 5,606,118.47 5,942,485.57 6,299,034.71 6,676,976.79 7,077,595.40 7,502,251.12 7,952,386.19 8,429,529.36 8,935,301.12 9,471,419.19 10,039,704.34 10,642,086.60 11,280,611.80 11,957,448.51 12,674,895.42 13,435,389.14 14,241,512.49 15,096,003.24 16,001,763.43 16,961,869.24 17,979,581.40 19,058,356.28 110 $ 20,583,024.78 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1,402,405.67 1,500,574.06 1,605,614.25 1,718,007.24 $ $ $ $ $ $ $ $ 415,296.95 417,373.44 419,460.30 421,557.61 1,838,267.75 $ 3,876,707.49 $ 423,665.39 1,966,946.49 2,104,632.75 2,251,957.04 2,409,594.03 2,578,265.62 2,758,744.21 2,951,856.30 3,158,486.24 3,379,580.28 3,616,150.90 3,869,281.46 4,140,131.17 4,429,940.35 4,740,036.17 5,071,838.70 5,426,867.41 5,806,748.13 6,213,220.50 6,648,145.94 7,113,516.15 7,611,462.28 8,144,264.64 8,714,363.17 9,324,368.59 9,977,074.39 10,675,469.60 11,422,752.47 12,222,345.14 13,077,909.30 4,059,202.36 4,250,551.45 4,451,240.61 4,661,787.81 4,882,745.69 5,114,704.35 5,358,294.34 5,614,189.96 5,883,112.89 6,165,836.08 6,463,188.00 6,776,057.41 7,105,398.37 7,452,235.87 7,817,671.92 8,202,892.23 8,609,173.49 9,037,891.38 9,490,529.26 9,968,687.80 10,474,095.39 11,008,619.64 11,574,279.94 12,173,261.23 12,807,929.06 13,480,846.14 14,194,790.48 14,952,775.24 15,758,070.52 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 425,783.72 427,912.64 430,052.20 432,202.46 434,363.48 436,535.29 438,717.97 440,911.56 443,116.12 445,331.70 447,558.36 449,796.15 452,045.13 454,305.35 456,576.88 458,859.77 461,154.06 463,459.83 465,777.13 468,106.02 470,446.55 472,798.78 475,162.78 477,538.59 479,926.28 482,325.91 484,737.54 487,161.23 489,597.04 16,614,227.31 $ 492,045.02 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 13,993,362.96 $ 3,226,552.02 3,377,923.87 3,536,483.82 3,702,610.78 Account balances at “death” age 110 years old. $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ TOTAL 1,132.60 518.42 (1,063.27) (3,786.18) (7,846.44) (13,421.92) (20,801.57) 6,358.48 35,534.07 66,638.86 99,755.03 134,965.13 172,351.61 212,139.12 254,275.53 298,828.47 345,870.54 395,469.92 447,689.25 567,758.73 698,524.26 943,852.34 1,213,609.11 1,510,051.94 1,835,647.76 2,193,092.90 2,585,334.82 3,015,595.90 3,487,399.55 4,004,598.84 4,571,407.90 4,702,626.85 4,943,973.27 5,198,824.63 5,467,975.20 5,752,268.49 6,052,600.45 6,369,922.90 6,705,247.26 7,059,648.41 7,434,268.97 *Retirement begins* old. $ $ $ $ 7,830,323.77 8,249,104.64 8,691,985.65 9,160,428.54 $ 9,655,988.71 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 10,180,321.54 10,735,189.14 11,322,467.69 11,944,155.22 12,602,379.95 13,299,409.33 14,037,659.62 14,819,706.23 15,648,294.87 16,526,353.38 17,457,004.62 18,443,580.13 19,489,634.97 20,598,963.59 21,775,616.87 23,023,920.53 24,348,494.88 25,754,276.06 27,246,538.94 28,830,921.77 30,513,452.73 32,300,578.48 34,199,195.03 36,216,680.90 38,360,932.97 40,640,405.09 43,064,149.74 45,641,863.01 48,383,933.14 $ 51,682,660.07

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