Maya leaves her job after their first baby; Chris carries the household on his salary alone
Maya (30) & Chris (32), Columbus OH
exampleMarried, first baby just arrived · $112k/yr household income
They're navigating their first year on a single income after Maya left her marketing job to stay home full-time with their newborn
Maya & Chris are navigating their first year on a single income after Maya left her marketing job to stay home full-time with their newborn The real question: Can we afford for Maya to stay home with the baby, and when does our financial picture stabilize?
There’s a gap to close$4.6M
Projected net worth at retirement (2057)
Retirement year
2057
Safe withdrawal / yr
$153k
Spending need / yr
$75k
First shortfall
2057
Modeled year by year, the plan runs short before the finish line. That doesn’t mean the goal is off the table. It means one or two levers (savings rate, timing, or the size of the purchase) need to move, and seeing exactly where and when is the value.
Your situation is more like this than a rule of thumb
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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.