A high-earning couple in San Francisco deciding whether to buy a $1.4M condo or keep renting
Maya (34) & Chris (36), San Francisco CA
exampleMarried, no kids yet, considering starting a family in two years · $310k/yr household income
They're renting a two-bedroom in the Mission District and debating whether to buy a $1.4M condo or keep renting and investing
Maya & Chris are renting a two-bedroom in the Mission District and debating whether to buy a $1.4M condo or keep renting and investing The real question: Should Maya and Chris buy a $1.4M condo in San Francisco now, or keep renting at $4,800/month and invest the difference?
The plan holds$16M
Projected net worth at retirement (2054)
Retirement year
2054
Safe withdrawal / yr
$522k
Spending need / yr
$135k
First shortfall
None projected
Modeled year by year, with the daycare, the mortgage, and every account and tax accounted for, Maya’s plan funds retirement. The safe withdrawal covers their projected spending. The exact answer always depends on the full picture, which is the whole point.
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Get my verdict →An illustrative example household. The numbers are modeled by Rightmont’s engine from these inputs; your real answer depends on your full picture. Educational only, not financial advice.