Raise your savings rate by 5 points
0.8 yrs sooner
You save 46% of your take-home today. At 51% — $464/mo more — financial independence moves from age 47 to 46.
FIRE CALCULATORTrinity · Bengen 1994
YOUR MONEY MAP · SEP 28, 2026
Financial independence at 47. One move brings it closer.
$1.50M funds $60,000 a year forever at 4%. You're 28% there, saving $51,600 a year after tax. Below: the 7 decisions worth the most to you, ranked.
Your life, in net worth
Plan A · now · Real dollars · 7% · 4% drawdown
TOOL GROUPS FOR YOU
Your next steps
Ranked by what they're worth to you. Tick one off and the map re-ranks.
0 of 7 done
$143k on the table
Raise your savings rate by 5 points
0.8 yrs sooner
You save 46% of your take-home today. At 51% — $464/mo more — financial independence moves from age 47 to 46.
FIRE CALCULATORTrinity · Bengen 1994
Test the plan against 5,000 markets
4.0% withdrawal
At FI your $1.50M funds $60,000 a year. The Monte Carlo runs that plan through 5,000 simulated markets and shows how often the money lasts 30 years, and which spending cut makes it more likely.
RETIREMENT CALCULATORShiller 1871–2025
Close the emergency-fund gap
1.8 of 6 months
$9,000 covers 1.8 months of spending. Six months is $30,000; parking the difference in a 4.3% HYSA also earns $903/yr.
EMERGENCY FUND PLANNERFDIC · Fed SHED 2025
Capture the full 401(k) match
$4,350 / yr free
You contribute 3%; the match runs to 6%. That gap is $4,350 of employer money every year — a guaranteed 100% return before markets do anything.
401(K) CALCULATORIRS Pub 560
Put $300/mo extra on the card
$3,984 saved
$12,000 at 22% APR takes 52 months on minimums and costs $6,715 in interest. With $300 more, it's gone in 23 months.
CREDIT CARD PAYOFFCFPB avg APR 2026
Favor Traditional at 24% marginal
24% marginal
At 24% marginal, each $1,000 deferred saves $240 today; convert in low-income years later via a Roth ladder.
TAX BRACKET CALCULATORIRS Rev. Proc. 2024-40
Your ceiling on a home is $536k
$3,381 / mo
Under the 28/36 lender limits with 20% down at 7%, $536k keeps housing (loan, property tax and insurance) at $3,381 a month. Above that, the FI date slips.
HOME AFFORDABILITYFreddie Mac PMMS
KEEP IT ALIVE
THIS WEEK
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WHEN LIFE CHANGES
Got a raise? Paid a card off?
Update one slider and watch the FI date and every card move. That’s the whole point.
GO DEEPER
Explore the 79 calculators
Every step above opens one of them when it is live. Browse by topic; your numbers follow you into each.
MAKE IT REAL
Sync accounts in MoneyVibe
Replace estimates with real balances; the map re-ranks monthly without you touching a slider.
START HEREWhy Starting Early MattersRetirement · Volume 1: Retirement Planning FundamentalsOpen chapter 1 →Saved in this browser. Sign in to keep it on every device.
FOR YOUR MAP GOALThe Retirement shelfYour number, the accounts, turning savings into income, and retiring early.
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