A San Francisco couple earning $340k combined decides whether to buy a $1.2M condo or keep renting
Maya (34) & Chris (36), San Francisco CA
exampleMarried, no kids yet, considering starting a family in two years · $340k/yr household income
They're debating whether to buy a $1.2M condo or keep renting and invest the down payment
Maya & Chris are debating whether to buy a $1.2M condo or keep renting and invest the down payment The real question: Should Maya and Chris buy a $1.2M condo in San Francisco, or keep renting at $4,200/month and invest the difference?
The plan holds$25M
Projected net worth at retirement (2057)
Retirement year
2057
Safe withdrawal / yr
$874k
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.