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A couple juggling student loan payoff, a wedding, and a first home purchase all within a few years

Priya & Jordan, 28 & 29, Austin TX

example

Engaged, no kids yet, planning to start a family after the wedding · $177k/yr household income

They're paying down Priya's grad school loans while saving for a wedding next year and a first home purchase within three years

Priya & Jordan are paying down Priya's grad school loans while saving for a wedding next year and a first home purchase within three years The real question: Should they pay off student loans first, save for the wedding, or prioritize the house down payment -- and in what order does the sequence actually matter?

The plan holds

$8.1M

Projected net worth at retirement (2062)

Projected net worth
Today: $135k$17M projected

Retirement year

2062

Safe withdrawal / yr

$325k

Spending need / yr

$108k

First shortfall

None projected

Modeled year by year, with the daycare, the mortgage, and every account and tax accounted for, Priya’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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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.