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?
There’s a gap to close$1.9M
Projected net worth at retirement (2048)
Retirement year
2048
Safe withdrawal / yr
$50k
Spending need / yr
$70k
First shortfall
2064
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.