Start with household setup, then move through strategy, decisions, simulation, memo, and data in that order.
Strategy is the home screen. Use Decisions for tradeoffs, Simulator for stress tests, Memo for the advisor brief, and Data for source-of-truth maintenance.
The active scenario here is the same case that shapes Strategy, Decisions, and the memo. Use scenarios to compare real alternatives, not to build a giant what-if lab.
This scenario is currently shaping the Strategy page and advisory recommendation.
Saved baseline assumptions anchor the core retirement recommendation.
4.5% inflation
5.5% equity return
3.4% cash return
Baseline economy
Elevated inflation reduces retirement flexibility, raises spending pressure, and makes early retirement less forgiving.
The current plan is resilient under baseline assumptions but becomes fragile under early market stress.
Conservative / stress leads by 3 readiness points versus the saved baseline, while Baseline plan is the active working scenario.
64% success
51% stress durability
78 readiness
$120,000 annual spending
SS 67: $32,000
Baseline economy
Saved baseline assumptions anchor the core retirement recommendation.
64% success
51% stress durability
81 readiness
$114,000 annual spending
SS 68: $34,560
Conservative / stress economy
This stress case tests whether a later retirement and tighter spending preserve resilience.
61% success
47% stress durability
74 readiness
$124,800 annual spending
SS 67: $32,000
Optimistic economy
This upside case tests earlier optionality against a lighter macro penalty.