The Willow Family · Retirement Outlook

What could the months look like?

Compare scenarios using recorded estimates and selected household resources. Educational planning, not a prediction.

Monthly Living Expenses$8,500Recorded category estimates

Selected resource pool$1,953,000Savings, brokerage and retirement balances

Recorded SSA at 67$3,300 + $2,800Two separate sample estimates; starts differ

Sample scenario

Retire 62 / Claim 67

Income at retirement: $0/mo
Initial monthly gap: $8,500
Income after recorded starts: $6,100/mo
Simple gap coverage: 52.5 years

Retirement 2040-04 · Alex’s SSA start 2045-04

Sample scenario

Retire 65 / Claim 67

Income at retirement: $0/mo
Initial monthly gap: $8,500
Income after recorded starts: $6,100/mo
Simple gap coverage: 60.1 years

Retirement 2043-04 · Alex’s SSA start 2045-04

Sample scenario

Retire 67 / Claim 67

Income at retirement: $3,300/mo
Initial monthly gap: $5,200
Income after recorded starts: $6,100/mo
Simple gap coverage: 65.2 years

Retirement 2045-04 · Alex’s SSA start 2045-04

Sample scenario

Retire 67 / Claim 70

Income at retirement: $0/mo
Initial monthly gap: $8,500
Income after recorded starts: $6,890/mo
Simple gap coverage: 89.6 years

Retirement 2045-04 · Alex’s SSA start 2048-04

What is included?

Emergency savings $88,000 + brokerage $360,000 + retirement accounts $1,505,000 = $1,953,000. Homes, vehicles, education savings, HSA and ordinary checking are excluded.

Alex’s recorded sample estimate is $3,300 at 67 or $4,090 at 70. Sam’s separate $2,800 estimate at 67 begins July 2047 in every comparison. No estimate is interpolated or predicted.

Today’s dollars. Zero growth. No taxes, investment returns, future contributions, inflation or benefit predictions. Recorded amounts are fictional, and the scenarios are not recommendations.