Example households
Each of these households is facing a question you may be asking too. Each has a year of spending, savings jars and a plan with several futures side by side, projected by the same engine you would use. Read their story and move its sliders, then open their budget: nothing is saved, and you don't need an account. Or try your own numbers.
Does buying a house delay our financial independence?
Mateo (28) & Chloe (27), renting in the city
A couple on $140k, renting downtown, with $40k saved toward a house. Four futures side by side: stay, buy now, wait three years, or buy big.
Can we afford a house while paying for two kids in daycare?
Omar (32) & Layla (31), two kids, renting a 2BR
A couple on $180k with a toddler, a baby on the way and $3,700 a month of daycare ahead. Buy now, buy when daycare ends, have Layla stay home, or move near family.
Should I pay off my student loans first, or invest the difference?
Priya (34), a doctor renting in the city
A doctor on $250k with $300k of student loans at 6.8%. Pay the minimum and invest, pay the loans off first, or pay them off and then open a practice.
Did we start saving for retirement too late?
Marcus (51) & Elena (50), house paid off, kids grown
A couple on $130k with a paid-off $400k house and $270k saved. Work until 65, max out the 401(k) and stop at 58, or sell the house and downsize.
Have I already saved enough to quit for a job I like?
Javier (38), a software engineer, single
A software engineer on $160k with $600k invested and a burnout problem. Grind until 45, quit for a $45k job at a bike shop, or travel for a year and come back remote.