Geometric Mean Forecast

Forecast Details

Dossier This Just In With Business (380)
Duration: 2 ms
Configured Range Unspecified
Evaluated Range (2019 -> 2076] (57 Years)
Forecast Tax Override AsModeled
Primary User plusauri
Growth Outlook standard
Inflation [ (1900, 3.00%) ]
Cost of Capital [ (1900, 7.50%) ]

Person Events

Person Event Age/Year
Female Retirement 65/2049
Female Death 92/2076

Balances Sheet Items

Item Growth Item Assumption Source Growth Assumption Realized Log-Ret PV Final Year @ 3% Initial 2019
(Age:35)
2020
(Age:36)
2021
(Age:37)
2022
(Age:38)
2023
(Age:39)
2024
(Age:40)
2025
(Age:41)
2026
(Age:42)
2027
(Age:43)
2028
(Age:44)
2029
(Age:45)
2030
(Age:46)
2031
(Age:47)
2032
(Age:48)
2033
(Age:49)
2034
(Age:50)
2035
(Age:51)
2036
(Age:52)
2037
(Age:53)
2038
(Age:54)
2039
(Age:55)
2040
(Age:56)
2041
(Age:57)
2042
(Age:58)
2043
(Age:59)
2044
(Age:60)
2045
(Age:61)
2046
(Age:62)
2047
(Age:63)
2048
(Age:64)
2049
(Age:65)
2050
(Age:66)
2051
(Age:67)
2052
(Age:68)
2053
(Age:69)
2054
(Age:70)
2055
(Age:71)
2056
(Age:72)
2057
(Age:73)
2058
(Age:74)
2059
(Age:75)
2060
(Age:76)
2061
(Age:77)
2062
(Age:78)
2063
(Age:79)
2064
(Age:80)
2065
(Age:81)
2066
(Age:82)
2067
(Age:83)
2068
(Age:84)
2069
(Age:85)
2070
(Age:86)
2071
(Age:87)
2072
(Age:88)
2073
(Age:89)
2074
(Age:90)
2075
(Age:91)
Non Financial Assets
Crypto 📁 (μ=2.5%, σ=6%, π=2.32%) 2.32 % $1,357 $2,000 $2,047 $2,095 $2,144 $2,194 $2,246 $2,299 $2,353 $2,408 $2,464 $2,522 $2,581 $2,642 $2,704 $2,768 $2,832 $2,899 $2,967 $3,037 $3,108 $3,181 $3,256 $3,332 $3,410 $3,490 $3,572 $3,656 $3,742 $3,830 $3,919 $4,011 $4,106 $4,202 $4,301 $4,402 $4,505 $4,611 $4,719 $4,830 $4,943 $5,059 $5,178 $5,299 $5,424 $5,551 $5,681 $5,814 $5,951 $6,091 $6,234 $6,380 $6,530 $6,683 $6,840 $7,000 $7,165 $7,333 $7,505
Financial Assets
Primary 401K(☂️) : FXAIX 🇺🇸 📈 plusauri (μ=9.215%, σ=16.381%, π=7.874%) 7.874 % _ $47,000 $59,804 $73,930 $89,494 $106,623 $125,453 $146,133 $168,824 $193,701 $220,952 $250,782 $283,412 $306,630 $331,749 $358,926 $388,329 $420,141 $454,559 $491,797 $532,085 $575,674 $622,834 $673,856 $522,049 $305,524 $60,127 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Primary 401K(☂️) : VTSNX plusauri (μ=8.362%, σ=20.931%, π=6.171%) 6.171 % _ $23,500 $33,950 $45,338 $57,731 $71,203 $85,831 $101,698 $118,892 $137,506 $157,642 $179,406 $202,913 $215,829 $229,568 $244,181 $259,724 $276,257 $293,842 $312,547 $332,442 $353,604 $376,113 $400,054 $425,520 $452,606 $481,417 $512,062 $427,220 $174,333 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Primary 401K(☂️) : VBTIX plusauri (μ=5.3%, σ=1%, π=5.295%) 5.295 % _ $7,800 $17,178 $27,339 $38,333 $50,215 $63,041 $76,872 $91,772 $107,809 $125,054 $143,583 $163,477 $172,367 $181,739 $191,622 $202,042 $213,028 $224,612 $236,826 $249,703 $263,281 $277,598 $292,693 $308,609 $325,390 $343,083 $151,951 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Taxable Vanguard : VTSAX 🇺🇸 📈 plusauri (μ=9.215%, σ=16.381%, π=7.874%) 7.874 % _ $66,000 $71,407 $77,256 $83,585 $90,433 $97,841 $105,856 $114,528 $123,910 $134,061 $145,043 $156,925 $169,781 $183,689 $198,737 $215,018 $232,632 $251,689 $272,308 $294,615 $318,750 $210,970 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Taxable Vanguard : VTIAX plusauri (μ=8.362%, σ=20.931%, π=6.171%) 6.171 % _ $29,500 $31,378 $33,375 $35,500 $37,759 $40,163 $42,720 $45,439 $48,331 $51,408 $54,680 $58,161 $61,863 $65,801 $69,990 $74,445 $79,184 $84,224 $89,586 $95,288 $83,170 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Taxable Vanguard : VMLTX plusauri (μ=5.3%, σ=1%, π=5.295%) 5.295 % _ $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Taxable Vanguard : VXWITX plusauri (μ=5.3%, σ=1%, π=5.295%) 5.295 % _ $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 $4,300 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Taxable Vanguard : VWLTX plusauri (μ=5.3%, σ=1%, π=5.295%) 5.295 % _ $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 $3,400 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
M1Finance : VTI plusauri (μ=9.479%, σ=25%, π=6.354%) 6.354 % _ $11,200 $11,935 $12,718 $13,552 $14,441 $15,388 $16,398 $17,474 $18,620 $19,841 $21,143 $22,530 $24,008 $25,583 $27,261 $29,050 $30,956 $32,986 $35,150 $37,456 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
M1Finance : VXUS plusauri (μ=9.479%, σ=25%, π=6.354%) 6.354 % _ $6,700 $7,140 $7,608 $8,107 $8,639 $9,206 $9,809 $10,453 $11,139 $11,869 $12,648 $13,478 $14,362 $15,304 $16,308 $17,378 $18,518 $19,733 $21,027 $22,407 $23,877 $25,443 $25,192 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
M1Finance : VTEB plusauri (μ=9.479%, σ=25%, π=6.354%) 6.354 % _ $1,900 $2,025 $2,157 $2,299 $2,450 $2,611 $2,782 $2,964 $3,159 $3,366 $3,587 $3,822 $4,073 $4,340 $4,625 $4,928 $5,251 $5,596 $5,963 $6,354 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Stocks : MSFT plusauri (μ=9.479%, σ=25%, π=6.354%) 6.354 % _ $15,000 $26,069 $38,399 $51,260 $64,659 $78,599 $93,084 $108,114 $123,689 $139,807 $156,461 $173,645 $185,037 $197,176 $210,111 $223,895 $238,583 $254,234 $270,912 $133,051 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Stocks : AMZN plusauri (μ=9.479%, σ=25%, π=6.354%) 6.354 % _ $67,000 $81,480 $97,445 $114,180 $131,707 $150,045 $169,217 $189,242 $210,139 $231,928 $254,626 $278,250 $174,694 $147,022 $125,713 $105,290 $85,513 $66,618 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
CD/Checking/Savings/T-Bills : CDs et al 📁 (μ=2.5%, σ=2%, π=2.48%) 2.48 % _ $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $196,100 $42,538 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Net Worth
$(4,523,938) $484,800 $551,611 $624,860 $703,386 $787,523 $877,624 $974,068 $1,077,254 $1,187,610 $1,305,591 $1,431,681 $1,566,395 $1,538,485 $1,591,876 $1,657,441 $1,730,131 $1,810,161 $1,898,261 $1,792,791 $1,717,611 $1,629,237 $1,523,913 $1,399,427 $1,238,886 $1,061,081 $888,199 $667,668 $430,961 $178,163 $(93,077) $(362,689) $(630,411) $(921,395) $(1,237,475) $(1,580,631) $(1,952,997) $(2,356,872) $(2,794,737) $(3,220,659) $(3,681,849) $(4,181,077) $(4,721,326) $(5,305,812) $(6,016,107) $(6,786,912) $(7,623,076) $(8,529,829) $(9,512,816) $(10,578,125) $(11,732,322) $(12,982,491) $(14,336,274) $(15,801,913) $(17,388,298) $(19,105,016) $(20,962,410) $(22,971,633) $(25,012,682)

Annual Details

_ _ _ _
Sheltered Distributions
_ _ _ _ Sheltered Qualified Divs _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Sheltered Unqualified Divs _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Sheltered Cap Gain Dist _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Sheltered Interest $424 $934 $1,487 $2,084 $2,731 $3,428 $4,180 $4,990 $5,862 $6,800 $7,808 $8,889 $9,373 $9,882 $10,420 $10,986 $11,584 $12,214 $12,878 $13,578 $14,316 $15,095 $15,916 $16,781 $17,694 $18,656 $8,263 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Non-Sheltered Distributions
_ _ _ _ Qualified Divs _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Unqualified Divs _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Cap Gain Dist _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Interest $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $1,672 $604 $419 $419 $234 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Taxable Distributions By Treatment
_ _ _ _ Reinvested _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Disbursed $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $1,672 $604 $419 $419 $234 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Capital Gains/Losses
_ _ _ _ Long Term Cap Gains/(Loss) _ _ _ _ _ _ _ _ _ _ _ $66,997 $22,607 $18,687 $18,008 $17,372 $16,479 $49,170 $97,721 $138,746 $172,524 $189,323 $20,619 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Loss Carry Forward Details
_ _ _ _ Prior Losses Available _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Losses Offsetting Gains _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Losses Offsetting Ord Inc _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Remaining Losses _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Total Income
$228,513 $235,304 $242,302 $249,513 $256,943 $264,600 $272,490 $280,620 $288,998 $297,631 $306,527 $155,528 $163,218 $171,303 $179,803 $188,738 $198,131 $5,528 $1,672 $604 $419 $419 $207,244 $259,291 $270,426 $274,841 $277,650 $280,081 $185,430 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Earned Income $222,986 $229,777 $236,774 $243,985 $251,416 $259,072 $266,962 $275,093 $283,470 $292,103 $300,999 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Passive Income _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Portfolio Income $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $5,528 $1,672 $604 $419 $419 $234 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Ordinary Income _ _ _ _ _ _ _ _ _ _ _ $150,000 $157,691 $165,776 $174,275 $183,210 $192,604 _ _ _ _ _ $207,010 $259,291 $270,426 $274,841 $277,650 $280,081 $185,430 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Required Min Dist _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Retirement Deductions $18,500 $19,063 $19,644 $20,242 $20,859 $21,494 $22,149 $22,823 $23,518 $24,234 $24,972 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Retirement Investments $18,500 $19,063 $19,644 $20,242 $20,859 $21,494 $22,149 $22,823 $23,518 $24,234 $24,972 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Employer Match $8,362 $8,617 $8,879 $9,149 $9,428 $9,715 $10,011 $10,316 $10,630 $10,954 $11,287 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Penalties
_ _ _ _ College 529 Penalties _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ HSA Penalties _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Early Withdrawal Penalties _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ $(20,701) $(25,929) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _
Adjusted Gross Income
$210,013 $216,241 $222,658 $229,271 $236,085 $243,106 $250,341 $257,797 $265,480 $273,397 $281,554 $155,528 $163,218 $171,303 $179,803 $188,738 $198,131 $5,528 $1,672 $604 $419 $419 $207,244 $259,291 $270,426 $274,841 $277,650 $280,081 $185,430 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Tax Basis $198,013 $203,875 $209,916 $216,141 $222,555 $229,164 $235,975 $242,993 $250,225 $257,677 $265,356 $138,836 $146,018 $153,580 $161,539 $169,918 $178,739 _ _ _ _ _ $184,027 $235,367 $245,773 $249,437 $251,473 $253,106 $157,634 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Standard Deduction $(12,000) $(12,365) $(12,742) $(13,130) $(13,530) $(13,942) $(14,367) $(14,804) $(15,255) $(15,720) $(16,198) $(16,692) $(17,200) $(17,724) $(18,264) $(18,820) $(19,393) $(19,983) $(20,592) $(21,219) $(21,865) $(22,531) $(23,218) $(23,925) $(24,653) $(25,404) $(26,178) $(26,975) $(27,796) $(28,643) $(29,515) $(30,414) $(31,340) $(32,295) $(33,278) $(34,292) $(35,336) $(36,412) $(37,521) $(38,664) $(39,841) $(41,055) $(42,305) $(43,593) $(44,921) $(46,289) $(47,699) $(49,151) $(50,648) $(52,191) $(53,780) $(55,418) $(57,106) $(58,845) $(60,637) $(62,484) $(64,387)
_ _ _ _ Marginal Rate 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 10.00% 10.00% 10.00% 10.00% 10.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 22.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
_ _ _ _ Effective Rate 24.01% 24.01% 24.00% 24.00% 23.99% 23.99% 23.98% 23.98% 23.97% 23.97% 23.96% 15.92% 16.28% 16.44% 16.57% 16.70% 16.84% __ 4.75% 7.59% 8.86% 9.24% 15.89% 17.39% 17.47% 17.38% 17.25% 17.11% 13.63% __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __
_ _ _ _ Total Tax Bill $(54,876) $(56,494) $(58,160) $(59,878) $(61,647) $(63,471) $(65,350) $(67,286) $(69,282) $(71,338) $(73,457) $(35,427) $(30,250) $(31,228) $(32,779) $(34,430) $(36,141) _ $(4,722) $(10,574) $(15,329) $(17,527) $(36,211) $(45,103) $(47,254) $(47,776) $(47,896) $(47,909) $(25,274) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Ordinary Tax Bill $(45,054) $(46,372) $(47,730) $(49,130) $(50,572) $(52,059) $(53,590) $(55,169) $(56,795) $(58,471) $(60,197) $(25,378) $(26,859) $(28,425) $(30,078) $(31,825) $(33,669) _ _ _ _ _ $(33,118) $(45,103) $(47,254) $(47,776) $(47,896) $(47,909) $(25,274) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Soc. Sec. Tax $(7,961) $(8,203) $(8,453) $(8,711) $(8,976) $(9,249) $(9,531) $(9,821) $(10,120) $(10,428) $(10,746) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Medicare Tax $(1,862) $(1,919) $(1,977) $(2,037) $(2,099) $(2,163) $(2,229) $(2,297) $(2,367) $(2,439) $(2,513) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Long Term Cap Gain Tax _ _ _ _ _ _ _ _ _ _ _ $(10,050) $(3,391) $(2,803) $(2,701) $(2,606) $(2,472) _ $(4,722) $(10,574) $(15,329) $(17,527) $(3,093) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ On LTCG _ _ _ _ _ _ _ _ _ _ _ $66,997 $22,607 $18,687 $18,008 $17,372 $16,479 $49,170 $97,721 $138,746 $172,524 $189,323 $20,619 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ With LTCG Hurdle $38,600 $39,776 $40,987 $42,235 $43,521 $44,847 $46,213 $47,620 $49,070 $50,565 $52,105 $53,691 $55,327 $57,011 $58,748 $60,537 $62,380 $64,280 $66,238 $68,255 $70,334 $72,476 $74,683 $76,957 $79,301 $81,716 $84,205 $86,769 $89,412 $92,135 $94,941 $97,832 $100,811 $103,882 $107,045 $110,305 $113,665 $117,126 $120,693 $124,369 $128,157 $132,059 $136,081 $140,226 $144,496 $148,897 $153,431 $158,104 $162,919 $167,880 $172,993 $178,262 $183,691 $189,285 $195,049 $200,989 $207,110
_ _ _ _
Remaining Shortfall
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ $96,997 $366,701 $634,517 $925,596 $1,241,775 $1,585,032 $1,957,501 $2,361,483 $2,799,456 $3,225,488 $3,686,792 $4,186,136 $4,726,503 $5,311,111 $6,021,531 $6,792,463 $7,628,757 $8,535,644 $9,518,767 $10,584,215 $11,738,555 $12,988,871 $14,342,804 $15,808,596 $17,395,138 $19,112,017 $20,969,575 $22,978,966 $25,020,186
_ _ _ _
Balance Breakdown
_ _ _ _ Start Balance $484,800 $551,611 $624,860 $703,386 $787,523 $877,624 $974,068 $1,077,254 $1,187,610 $1,305,591 $1,431,681 $1,566,395 $1,538,485 $1,591,876 $1,657,441 $1,730,131 $1,810,161 $1,898,261 $1,792,791 $1,717,611 $1,629,237 $1,523,913 $1,399,427 $1,259,587 $1,087,010 $888,199 $667,668 $430,961 $178,163 $3,919 $4,011 $4,106 $4,202 $4,301 $4,402 $4,505 $4,611 $4,719 $4,830 $4,943 $5,059 $5,178 $5,299 $5,424 $5,551 $5,681 $5,814 $5,951 $6,091 $6,234 $6,380 $6,530 $6,683 $6,840 $7,000 $7,165 $7,333
_ _ _ _ Total Increases $256,655 $268,250 $280,499 $293,335 $306,789 $320,893 $335,680 $351,188 $367,455 $384,520 $402,428 $249,427 $255,741 $267,823 $281,163 $295,453 $310,736 $124,607 $124,663 $122,278 $117,451 $109,506 $98,549 $86,714 $71,615 $54,310 $40,944 $27,283 $11,187 $92 $94 $96 $99 $101 $103 $106 $108 $111 $113 $116 $119 $122 $124 $127 $130 $133 $136 $140 $143 $146 $150 $153 $157 $161 $164 $168 $172
_ _ _ _ Worth Growth $47 $48 $49 $50 $52 $53 $54 $55 $57 $58 $59 $61 $62 $63 $65 $66 $68 $70 $71 $73 $75 $76 $78 $80 $82 $84 $86 $88 $90 $92 $94 $96 $99 $101 $103 $106 $108 $111 $113 $116 $119 $122 $124 $127 $130 $133 $136 $140 $143 $146 $150 $153 $157 $161 $164 $168 $172
_ _ _ _ Holding Growth $25,261 $29,809 $34,797 $40,150 $45,894 $52,052 $58,653 $65,724 $73,298 $81,405 $90,082 $99,367 $97,988 $101,984 $106,822 $112,176 $118,064 $124,538 $124,592 $122,205 $117,376 $109,430 $98,470 $86,634 $71,533 $54,226 $40,858 $27,195 $11,097 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Modeled Inflows $222,986 $229,777 $236,774 $243,985 $251,416 $259,072 $266,962 $275,093 $283,470 $292,103 $300,999 $150,000 $157,691 $165,776 $174,275 $183,210 $192,604 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Employer Match $8,362 $8,617 $8,879 $9,149 $9,428 $9,715 $10,011 $10,316 $10,630 $10,954 $11,287 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Total Decreases $(189,844) $(195,001) $(201,973) $(209,199) $(216,688) $(224,449) $(232,494) $(240,832) $(249,474) $(258,431) $(267,714) $(277,337) $(202,350) $(202,257) $(208,473) $(215,423) $(222,636) $(230,078) $(199,843) $(210,652) $(222,775) $(233,992) $(259,089) $(285,221) $(270,426) $(274,841) $(277,650) $(280,081) $(282,427) $(262,149) $(239,256) $(241,661) $(244,089) $(246,543) $(249,020) $(251,523) $(254,051) $(207,999) $(210,090) $(212,201) $(214,334) $(216,488) $(296,768) $(301,950) $(307,269) $(312,728) $(318,332) $(324,087) $(329,997) $(336,068) $(342,306) $(348,715) $(355,302) $(362,074) $(369,035) $(376,194) $(251,523)
_ _ _ _ Modeled Outflows $(134,968) $(140,125) $(145,479) $(151,038) $(156,810) $(162,802) $(169,023) $(175,482) $(182,187) $(189,149) $(196,377) $(203,881) $(166,923) $(172,007) $(177,245) $(182,643) $(188,205) $(193,937) $(199,843) $(205,930) $(212,201) $(218,664) $(220,861) $(223,081) $(225,323) $(227,587) $(229,875) $(232,185) $(234,518) $(236,875) $(239,256) $(241,661) $(244,089) $(246,543) $(249,020) $(251,523) $(254,051) $(207,999) $(210,090) $(212,201) $(214,334) $(216,488) $(296,768) $(301,950) $(307,269) $(312,728) $(318,332) $(324,087) $(329,997) $(336,068) $(342,306) $(348,715) $(355,302) $(362,074) $(369,035) $(376,194) $(251,523)
_ _ _ _ Tax Bill $(54,876) $(54,876) $(56,494) $(58,160) $(59,878) $(61,647) $(63,471) $(65,350) $(67,286) $(69,282) $(71,338) $(73,457) $(35,427) $(30,250) $(31,228) $(32,779) $(34,430) $(36,141) _ $(4,722) $(10,574) $(15,329) $(17,527) $(36,211) $(45,103) $(47,254) $(47,776) $(47,896) $(47,909) $(25,274) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Penalties _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ $(20,701) $(25,929) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ Proof End Balance $551,611 $624,860 $703,386 $787,523 $877,624 $974,068 $1,077,254 $1,187,610 $1,305,591 $1,431,681 $1,566,395 $1,538,485 $1,591,876 $1,657,441 $1,730,131 $1,810,161 $1,898,261 $1,792,791 $1,717,611 $1,629,237 $1,523,913 $1,399,427 $1,238,886 $1,061,081 $888,199 $667,668 $430,961 $178,163 $(93,077) $(258,138) $(235,151) $(237,459) $(239,789) $(242,141) $(244,515) $(246,912) $(249,332) $(203,170) $(205,147) $(207,142) $(209,156) $(211,189) $(291,345) $(296,400) $(301,588) $(306,913) $(312,381) $(317,996) $(323,764) $(329,689) $(335,776) $(342,032) $(348,463) $(355,073) $(361,870) $(368,861) $(244,018)

Modeled Cash Flows

Flow Growth Item Assumption Source Growth Assumption Realized Log-Ret PV Sum @ 3% Initial 2019
(Age:35)
2020
(Age:36)
2021
(Age:37)
2022
(Age:38)
2023
(Age:39)
2024
(Age:40)
2025
(Age:41)
2026
(Age:42)
2027
(Age:43)
2028
(Age:44)
2029
(Age:45)
2030
(Age:46)
2031
(Age:47)
2032
(Age:48)
2033
(Age:49)
2034
(Age:50)
2035
(Age:51)
2036
(Age:52)
2037
(Age:53)
2038
(Age:54)
2039
(Age:55)
2040
(Age:56)
2041
(Age:57)
2042
(Age:58)
2043
(Age:59)
2044
(Age:60)
2045
(Age:61)
2046
(Age:62)
2047
(Age:63)
2048
(Age:64)
2049
(Age:65)
2050
(Age:66)
2051
(Age:67)
2052
(Age:68)
2053
(Age:69)
2054
(Age:70)
2055
(Age:71)
2056
(Age:72)
2057
(Age:73)
2058
(Age:74)
2059
(Age:75)
2060
(Age:76)
2061
(Age:77)
2062
(Age:78)
2063
(Age:79)
2064
(Age:80)
2065
(Age:81)
2066
(Age:82)
2067
(Age:83)
2068
(Age:84)
2069
(Age:85)
2070
(Age:86)
2071
(Age:87)
2072
(Age:88)
2073
(Age:89)
2074
(Age:90)
2075
(Age:91)
Primary Job 🔨 📌 (μ=3%, σ=1%, π=2.995%) 1.035 % $2,452,842 $210,000:↑ $222,986 $229,777 $236,774 $243,985 $251,416 $259,072 $266,962 $275,093 $283,470 $292,103 $300,999 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Cost of Living 📌 (μ=2.5%, σ=1%, π=2.495%) 1.11 % $(5,488,403) $(130,000):↓ $(134,968) $(140,125) $(145,479) $(151,038) $(156,810) $(162,802) $(169,023) $(175,482) $(182,187) $(189,149) $(196,377) $(203,881) $(166,923) $(172,007) $(177,245) $(182,643) $(188,205) $(193,937) $(199,843) $(205,930) $(212,201) $(218,664) $(220,861) $(223,081) $(225,323) $(227,587) $(229,875) $(232,185) $(234,518) $(236,875) $(239,256) $(241,661) $(244,089) $(246,543) $(249,020) $(251,523) $(254,051) $(207,999) $(210,090) $(212,201) $(214,334) $(216,488) $(218,664) $(220,861) $(223,081) $(225,323) $(227,587) $(229,875) $(232,185) $(234,518) $(236,875) $(239,256) $(241,661) $(244,089) $(246,543) $(249,020) $(251,523)
Business 📁 (μ=7%, σ=20%, π=5%) 0.526 % $680,602 $150,000:↑ _ _ _ _ _ _ _ _ _ _ _ $150,000 $157,691 $165,776 $174,275 $183,210 $192,604 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Health Care 📁 (μ=3.75%, σ=0%, π=3.75%) 3.75 % $(325,810) $15,000:↓ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ $(78,105) $(81,089) $(84,188) $(87,405) $(90,745) $(94,212) $(97,812) $(101,550) $(105,430) $(109,459) $(113,642) $(117,984) $(122,493) $(127,173) _