Two toddlers in daycare, a third on the way, and a $575k house on $185k
Mia & Ray Rivera, 34 and 33, in Denver, CO
exampleMarried, two toddlers, a third on the way · $185k/yr household income
They're paying for two daycare spots, expecting a third child, and hoping to buy their first home in two years without wrecking the plan.
The Riveras are paying for two daycare spots, expecting a third child, and hoping to buy their first home in two years without wrecking the plan. The real question: Can they buy the house without derailing retirement, with three kids and daycare in the mix?
The plan holds$5.2M
Projected net worth at retirement (2052)
Retirement year
2052
Safe withdrawal / yr
$168k
First shortfall
None projected
Modeled year by year, with the daycare, the mortgage, and every account and tax accounted for, The’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.