Retirement Planning Scenarios

A realistic UK retirement-bridge scenario for a mid-50s couple comparing a full stop today vs working to 60 or semi-retiring, under three real-return assumptions and with DB + State Pension income arriving later.

A realistic London scenario for a newly married dual-income couple (both 30) comparing 1 vs 2 children, renting vs buying, and how childcare and housing costs affect long-run outcomes under a steady investing plan.

A realistic UK scenario pack for a single 40-year-old renter with low pension savings: how much you may need to save in your 40s/50s/60s to make retiring at 68 work, and how sensitive the plan is to real returns.

A realistic London scenario pack for a dual-income couple (32) comparing two paths: keep renting long-term or stretch to buy by age 35, under three real return assumptions.

Late-career Australian saver scenario comparing whether adding AUD500 or AUD1,000 a month into super (or delaying retirement) can sustain an ASFA-level retirement budget under three real-return assumptions.

A realistic Ireland scenario pack for a single worker comparing EUR500 vs EUR1,000/month retirement saving (plus a step-up path), under three real-return assumptions and with the Irish State Pension as a planning anchor.

A realistic UK scenario pack for a single renter comparing saving £500 vs £1,000 per month for retirement, plus a staged step-up path, under three real-return assumptions with the State Pension as an anchor.

A realistic US scenario pack for a single mid-career renter comparing saving $500 vs $1,000 per month for retirement, plus a step-up path, under three real-return assumptions.

A realistic Chicago scenario pack for a dual-income family in their late 30s with two children, comparing three savings paths: retirement-first, balanced, and college-leaning, under three real-return assumptions.

A realistic Canada scenario pack for a single renter (32) saving for a first home while also caring about retirement: FHSA-first vs RRSP-first (with HBP repayment drag) vs a split approach, under three real-return assumptions.

A realistic NYC scenario pack for a high-income renter couple (35) comparing three paths to Coast FIRE by 45 (stay aggressive, ease off, and a family-aware branch), under three real-return assumptions.

A realistic Canada scenario pack for a single renter (35) comparing three income-band paths that map to common RRSP-vs-TFSA-first decisions, under three real-return assumptions and with CPP + OAS as a planning anchor.

A realistic Toronto scenario pack for a newcomer dual-income couple (34) with one young child, comparing three priorities (RRSP-first, childcare-first, or a faster home purchase) under three real-return assumptions.

A realistic San Francisco Bay Area scenario pack for a single high earner (37) comparing a ladder-first path, a taxable-first buffer, and a hybrid glide path for FIRE around age 45-47 under three real-return assumptions.

A realistic UK scenario pack for a couple in their early 40s who inherit £500,000, do not need it for their core retirement floor, and want to balance liquidity, ISA use, taxable investing, and family flexibility without locking into the wrong wrapper too early.

A realistic UK estate-planning scenario pack for a retired couple in their early 70s comparing three drawdown styles: spend ISA/GIA first, mix withdrawals, or draw pension sooner, under three real-return assumptions.

A Vancouver condo decision scenario pack for a dual-income couple (34) comparing buying soon versus investing longer before buying, under three real-return assumptions.

A realistic Melbourne Coast FIRE scenario pack for a dual-income couple in their late 30s comparing three ways to ease off saving before 50 (coast later, coast sooner, and a family-aware path), under three real-return assumptions.

A Montreal dual-income family scenario showing how to balance REER-heavy saving, CELI-first flexibility, and a blended plan while raising two children.

A realistic US scenario pack for a single 50-year-old with a small retirement balance comparing three catch-up savings strategies (balanced, max, and income-growth step-up), under three real (inflation-adjusted) return assumptions and with Social Security as a planning anchor.

A realistic Sydney scenario pack for a dual-income family with kids and a large mortgage, comparing three ways to use monthly surplus cash (extra super, faster mortgage repayment, or a split) under three real-return assumptions.

A Seattle-area family with two children compares three paths (stay full-time, go part-time now, or stage the shift) to see how much retirement budget is still sustainable under pessimistic, base, and optimistic real-return assumptions.

A national Canada scenario pack for a single renter in their mid-50s with limited savings who needs to decide whether to save aggressively for a short bridge to CPP/OAS, keep working into their late 60s, or blend part-time work with a more moderate retirement budget.

A realistic US scenario pack for a single freelancer with uneven income, comparing a Solo 401(k) autopilot saving plan vs a SEP IRA tax-time lump-sum plan under three real-return assumptions.

An Austin-based single tech worker compares keeping an aggressive FIRE plan, resetting the retirement age after a long job search, or rebuilding cash first before ramping up investing again, each under pessimistic, base, and optimistic real-return assumptions.

A Calgary self-employed contractor retirement scenario comparing a balanced RRSP/TFSA ladder, a TFSA-first flexibility path, and an RRSP-heavy push while keeping a serious cash buffer for slow months.