Single-income family of five figuring out when the breadwinner can retire
Marcus (42) & Priya (40), Columbus OH
exampleMarried, three kids, Priya is the primary caregiver at home · $135k/yr household income
They're running a single-income household of five and trying to find the earliest realistic retirement date for Marcus
Marcus & Priya are running a single-income household of five and trying to find the earliest realistic retirement date for Marcus The real question: With one salary supporting five people and three kids in the picture, when can they actually stop working?
The plan holds$2.4M
Projected net worth at retirement (2048)
Retirement year
2048
Safe withdrawal / yr
$71k
First shortfall
None projected
Modeled year by year, with the daycare, the mortgage, and every account and tax accounted for, Marcus’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.
Your situation is more like this than a rule of thumb
Model your real household — kids, a home, a big expense — free in under a minute.
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.