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Add your savings and income on the left and your verdict appears here — one sentence, one chart, every dollar auditable. Nothing is judged until your real numbers are in.
Bridge options — closing the cash-flow gap
Your projection shows liquid savings exhausted at age 66 — 29 years short of your longevity (95). Most plans hide this gap; honest plans state it and show the moves to close it. Here are four explicit paths:
Reduce retirement spending
Cutting your retirement spending by approximately 97% ($60.0K → $1.8K/yr) closes the cash-flow gap without touching your assets. Drag the "Retirement Spending" slider on My Plan to see the effect.
Honest about: most retirees naturally spend less in their late 70s and 80s (the "slow-go" and "no-go" phases). The default plan already models this; further cuts compound the effect.
⏰ Work 10 more years
Each additional working year doubles up: contributions go in instead of out, and the portfolio compounds for an extra year before drawdown begins. 10 more years in full-time work — or part-time / consulting through that age — typically closes a 29-year cash-flow gap.
Set up a Part-time / consulting income source (Income → + Add) to model this directly.
Pick one or combine. A common mass-affluent plan uses a mix: include RE in the plan so the score doesn't panic, dial spending back ~10% in the slow-go phase, and keep an HECM as a contingency rather than the primary lever.