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Priya and Marcus plan a wedding and a home purchase within two years of each other

Priya & Marcus, 29 & 31, Denver CO

example

Engaged, renting together, no kids yet · $170k/yr household income

They're planning a wedding next year and a home purchase the year after, trying to figure out if their savings can stretch that far

Priya & Marcus are planning a wedding next year and a home purchase the year after, trying to figure out if their savings can stretch that far The real question: Can they afford a wedding and a down payment without derailing their long-term financial plan?

There’s a gap to close

$2.5M

Projected net worth at retirement (2057)

Projected net worth
Today: $136k-$3.4M projected

Retirement year

2057

Safe withdrawal / yr

$98k

Spending need / yr

$89k

First shortfall

2058

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

Model your real household — kids, a home, a big expense — free in under a minute.

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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.