Single-income family of five figuring out when the breadwinner can retire

Marcus & Priya are living on Marcus's salary alone while raising three kids and trying to nail down a realistic retirement year The real question: With one salary supporting five people and three kids moving through daycare, school, and eventually college, when can they realistically retire?

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.

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.