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| Year | ||||
|---|---|---|---|---|
| Age | Spouse A | Spouse B | ||
| Spouse A | Spouse B | Total Income | Total Income | |
| 2016 | 30 | 30 | $100,000 | $200,000 |
| 2017 | 31 | 31 | $100,348 | $200,900 |
| 2018 | 32 | 32 | $100,697 | $201,796 |
| 2019 | 33 | 33 | $101,048 | $202,687 |
| 2020 | 34 | 34 | $101,401 | $203,574 |
| 2021 | 35 | 35 | $101,755 | $204,457 |
| 2022 | 36 | 36 | $102,110 | $205,335 |
| 2023 | 37 | 37 | $102,467 | $206,209 |
| 2024 | 38 | 38 | $102,826 | $207,080 |
| 2025 | 39 | 39 | $103,186 | $207,947 |
| 2026 | 40 | 40 | $103,547 | $208,811 |
| 2027 | 41 | 41 | $103,910 | $209,672 |
| 2028 | 42 | 42 | $104,274 | $210,526 |
| 2029 | 43 | 43 | $104,640 | $211,370 |
| 2030 | 44 | 44 | $105,007 | $212,205 |
| 2031 | 45 | 45 | $105,376 | $213,032 |
| 2032 | 46 | 46 | $105,746 | $213,850 |
| 2033 | 47 | 47 | $106,118 | $214,660 |
| 2034 | 48 | 48 | $106,491 | $215,461 |
| 2035 | 49 | 49 | $106,866 | $216,254 |
| 2036 | 50 | 50 | $107,240 | $217,039 |
| 2037 | 51 | 51 | $107,613 | $217,816 |
| 2038 | 52 | 52 | $107,984 | $218,585 |
| 2039 | 53 | 53 | $108,354 | $219,347 |
| 2040 | 54 | 54 | $108,723 | $220,100 |
| 2041 | 55 | 55 | $109,091 | $220,847 |
| 2042 | 56 | 56 | $109,460 | $221,586 |
| 2043 | 57 | 57 | $109,829 | $222,317 |
| 2044 | 58 | 58 | $110,198 | $223,042 |
| 2045 | 59 | 59 | $110,568 | $223,759 |
| 2046 | 60 | 60 | $110,939 | $224,469 |
| 2047 | 61 | 61 | $111,310 | $225,172 |
| 2048 | 62 | 62 | $111,681 | $225,869 |
| 2049 | 63 | 63 | $112,053 | $226,558 |
| 2050 | 64 | 64 | $112,425 | $227,241 |
| 2051 | 65 | 65 | $112,798 | $227,922 |
| 2052 | 66 | 66 | $49,237 | $71,824 |
| 2053 | 67 | 67 | $48,704 | $70,609 |
| 2054 | 68 | 68 | $48,857 | $70,214 |
| 2055 | 69 | 69 | $48,448 | $69,104 |
| 2056 | 70 | 70 | $48,029 | $67,980 |
| 2057 | 71 | 71 | $47,601 | $66,928 |
| 2058 | 72 | 72 | $47,162 | $65,861 |
| 2059 | 73 | 73 | $46,716 | $64,778 |
| 2060 | 74 | 74 | $46,262 | $63,678 |
| 2061 | 75 | 75 | $45,801 | $62,565 |
| 2062 | 76 | 76 | $45,331 | $61,439 |
| 2063 | 77 | 77 | $44,852 | $60,299 |
| 2064 | 78 | 78 | $44,362 | $59,146 |
| 2065 | 79 | 79 | $43,861 | $58,051 |
| 2066 | 80 | 80 | $43,348 | $56,942 |
| 2067 | 81 | 81 | $42,822 | $55,821 |
| 2068 | 82 | 82 | $42,284 | $54,688 |
| 2069 | 83 | 83 | $41,733 | $53,554 |
| 2070 | 84 | 84 | $41,170 | $52,423 |
| 2071 | 85 | 85 | $40,595 | $51,290 |
| 2072 | 86 | 86 | $40,008 | $50,146 |
| 2073 | 87 | 87 | $39,406 | $48,991 |
| 2074 | 88 | 88 | $38,790 | $47,819 |
| 2075 | 89 | 89 | $38,158 | $46,629 |
| 2076 | 90 | 90 | $37,503 | $45,415 |
| Year | ||||
|---|---|---|---|---|
| Age | Spouse A | Spouse B | ||
| Spouse A | Spouse B | Total Spending | Total Spending | |
| 2016 | 30 | 30 | $52,675 | $88,462 |
| 2017 | 31 | 31 | $52,675 | $88,462 |
| 2018 | 32 | 32 | $52,675 | $88,462 |
| 2019 | 33 | 33 | $52,675 | $88,462 |
| 2020 | 34 | 34 | $52,675 | $88,462 |
| 2021 | 35 | 35 | $52,675 | $88,462 |
| 2022 | 36 | 36 | $52,675 | $88,462 |
| 2023 | 37 | 37 | $52,675 | $88,462 |
| 2024 | 38 | 38 | $52,675 | $88,462 |
| 2025 | 39 | 39 | $52,675 | $88,462 |
| 2026 | 40 | 40 | $52,675 | $88,462 |
| 2027 | 41 | 41 | $52,675 | $88,462 |
| 2028 | 42 | 42 | $52,675 | $88,462 |
| 2029 | 43 | 43 | $52,675 | $88,462 |
| 2030 | 44 | 44 | $52,675 | $88,462 |
| 2031 | 45 | 45 | $52,675 | $88,462 |
| 2032 | 46 | 46 | $52,675 | $88,462 |
| 2033 | 47 | 47 | $52,675 | $88,462 |
| 2034 | 48 | 48 | $52,675 | $88,462 |
| 2035 | 49 | 49 | $52,675 | $88,462 |
| 2036 | 50 | 50 | $52,675 | $88,462 |
| 2037 | 51 | 51 | $52,675 | $88,462 |
| 2038 | 52 | 52 | $52,675 | $88,462 |
| 2039 | 53 | 53 | $52,675 | $88,462 |
| 2040 | 54 | 54 | $52,675 | $88,462 |
| 2041 | 55 | 55 | $52,675 | $88,462 |
| 2042 | 56 | 56 | $52,675 | $88,462 |
| 2043 | 57 | 57 | $52,675 | $88,462 |
| 2044 | 58 | 58 | $52,675 | $88,462 |
| 2045 | 59 | 59 | $52,675 | $88,462 |
| 2046 | 60 | 60 | $52,675 | $88,462 |
| 2047 | 61 | 61 | $52,675 | $88,462 |
| 2048 | 62 | 62 | $52,675 | $88,462 |
| 2049 | 63 | 63 | $52,675 | $88,462 |
| 2050 | 64 | 64 | $52,675 | $88,462 |
| 2051 | 65 | 65 | $56,202 | $94,106 |
| 2052 | 66 | 66 | $67,434 | $112,076 |
| 2053 | 67 | 67 | $68,112 | $113,162 |
| 2054 | 68 | 68 | $60,749 | $104,610 |
| 2055 | 69 | 69 | $61,120 | $105,352 |
| 2056 | 70 | 70 | $61,509 | $100,829 |
| 2057 | 71 | 71 | $61,915 | $101,398 |
| 2058 | 72 | 72 | $62,340 | $101,993 |
| 2059 | 73 | 73 | $62,785 | $102,615 |
| 2060 | 74 | 74 | $63,250 | $103,267 |
| 2061 | 75 | 75 | $63,736 | $103,948 |
| 2062 | 76 | 76 | $64,245 | $104,660 |
| 2063 | 77 | 77 | $64,777 | $105,405 |
| 2064 | 78 | 78 | $65,334 | $101,121 |
| 2065 | 79 | 79 | $65,916 | $101,703 |
| 2066 | 80 | 80 | $66,525 | $102,312 |
| 2067 | 81 | 81 | $67,162 | $102,949 |
| 2068 | 82 | 82 | $67,813 | $103,616 |
| 2069 | 83 | 83 | $68,445 | $104,313 |
| 2070 | 84 | 84 | $69,058 | $105,042 |
| 2071 | 85 | 85 | $69,653 | $105,805 |
| 2072 | 86 | 86 | $70,232 | $106,586 |
| 2073 | 87 | 87 | $70,793 | $107,345 |
| 2074 | 88 | 88 | $71,338 | $108,081 |
| 2075 | 89 | 89 | $71,867 | $108,796 |
| 2076 | 90 | 90 | $72,380 | $109,491 |
| Year | ||||
|---|---|---|---|---|
| Age | Spouse A | Spouse B | ||
| Spouse A | Spouse B | Housing Expenses | Housing Expenses | |
| 2016 | 30 | 30 | $0 | $0 |
| 2017 | 31 | 31 | $0 | $0 |
| 2018 | 32 | 32 | $0 | $0 |
| 2019 | 33 | 33 | $0 | $0 |
| 2020 | 34 | 34 | $0 | $0 |
| 2021 | 35 | 35 | $0 | $0 |
| 2022 | 36 | 36 | $0 | $0 |
| 2023 | 37 | 37 | $0 | $0 |
| 2024 | 38 | 38 | $0 | $0 |
| 2025 | 39 | 39 | $0 | $0 |
| 2026 | 40 | 40 | $0 | $0 |
| 2027 | 41 | 41 | $0 | $0 |
| 2028 | 42 | 42 | $0 | $0 |
| 2029 | 43 | 43 | $0 | $0 |
| 2030 | 44 | 44 | $0 | $0 |
| 2031 | 45 | 45 | $0 | $0 |
| 2032 | 46 | 46 | $0 | $0 |
| 2033 | 47 | 47 | $0 | $0 |
| 2034 | 48 | 48 | $0 | $0 |
| 2035 | 49 | 49 | $0 | $0 |
| 2036 | 50 | 50 | $0 | $0 |
| 2037 | 51 | 51 | $0 | $0 |
| 2038 | 52 | 52 | $0 | $0 |
| 2039 | 53 | 53 | $0 | $0 |
| 2040 | 54 | 54 | $0 | $0 |
| 2041 | 55 | 55 | $0 | $0 |
| 2042 | 56 | 56 | $0 | $0 |
| 2043 | 57 | 57 | $0 | $0 |
| 2044 | 58 | 58 | $0 | $0 |
| 2045 | 59 | 59 | $0 | $0 |
| 2046 | 60 | 60 | $0 | $0 |
| 2047 | 61 | 61 | $0 | $0 |
| 2048 | 62 | 62 | $0 | $0 |
| 2049 | 63 | 63 | $0 | $0 |
| 2050 | 64 | 64 | $0 | $0 |
| 2051 | 65 | 65 | $0 | $0 |
| 2052 | 66 | 66 | $0 | $0 |
| 2053 | 67 | 67 | $0 | $0 |
| 2054 | 68 | 68 | $0 | $0 |
| 2055 | 69 | 69 | $0 | $0 |
| 2056 | 70 | 70 | $0 | $0 |
| 2057 | 71 | 71 | $0 | $0 |
| 2058 | 72 | 72 | $0 | $0 |
| 2059 | 73 | 73 | $0 | $0 |
| 2060 | 74 | 74 | $0 | $0 |
| 2061 | 75 | 75 | $0 | $0 |
| 2062 | 76 | 76 | $0 | $0 |
| 2063 | 77 | 77 | $0 | $0 |
| 2064 | 78 | 78 | $0 | $0 |
| 2065 | 79 | 79 | $0 | $0 |
| 2066 | 80 | 80 | $0 | $0 |
| 2067 | 81 | 81 | $0 | $0 |
| 2068 | 82 | 82 | $0 | $0 |
| 2069 | 83 | 83 | $0 | $0 |
| 2070 | 84 | 84 | $0 | $0 |
| 2071 | 85 | 85 | $0 | $0 |
| 2072 | 86 | 86 | $0 | $0 |
| 2073 | 87 | 87 | $0 | $0 |
| 2074 | 88 | 88 | $0 | $0 |
| 2075 | 89 | 89 | $0 | $0 |
| 2076 | 90 | 90 | $0 | $0 |
| Year | ||||
|---|---|---|---|---|
| Age | Spouse A | Spouse B | ||
| Spouse A | Spouse B | Regular Assets | Regular Assets | |
| 2016 | 30 | 30 | $17,900 | $46,371 |
| 2017 | 31 | 31 | $35,897 | $92,512 |
| 2018 | 32 | 32 | $53,984 | $138,406 |
| 2019 | 33 | 33 | $72,143 | $184,068 |
| 2020 | 34 | 34 | $90,377 | $229,514 |
| 2021 | 35 | 35 | $108,685 | $274,748 |
| 2022 | 36 | 36 | $127,067 | $319,781 |
| 2023 | 37 | 37 | $145,525 | $364,626 |
| 2024 | 38 | 38 | $164,058 | $409,294 |
| 2025 | 39 | 39 | $182,666 | $453,791 |
| 2026 | 40 | 40 | $201,350 | $498,117 |
| 2027 | 41 | 41 | $220,111 | $542,067 |
| 2028 | 42 | 42 | $238,948 | $585,550 |
| 2029 | 43 | 43 | $257,862 | $628,575 |
| 2030 | 44 | 44 | $276,853 | $671,148 |
| 2031 | 45 | 45 | $295,921 | $713,278 |
| 2032 | 46 | 46 | $315,067 | $754,971 |
| 2033 | 47 | 47 | $334,291 | $796,235 |
| 2034 | 48 | 48 | $353,594 | $837,077 |
| 2035 | 49 | 49 | $372,863 | $877,503 |
| 2036 | 50 | 50 | $392,057 | $917,519 |
| 2037 | 51 | 51 | $411,179 | $957,131 |
| 2038 | 52 | 52 | $430,232 | $996,346 |
| 2039 | 53 | 53 | $449,221 | $1,035,168 |
| 2040 | 54 | 54 | $468,191 | $1,073,604 |
| 2041 | 55 | 55 | $487,181 | $1,111,659 |
| 2042 | 56 | 56 | $506,191 | $1,149,337 |
| 2043 | 57 | 57 | $525,222 | $1,186,643 |
| 2044 | 58 | 58 | $544,275 | $1,223,583 |
| 2045 | 59 | 59 | $563,351 | $1,260,160 |
| 2046 | 60 | 60 | $582,450 | $1,296,375 |
| 2047 | 61 | 61 | $601,574 | $1,332,232 |
| 2048 | 62 | 62 | $620,723 | $1,367,735 |
| 2049 | 63 | 63 | $639,898 | $1,402,935 |
| 2050 | 64 | 64 | $659,098 | $1,438,000 |
| 2051 | 65 | 65 | $675,139 | $1,467,346 |
| 2052 | 66 | 66 | $647,694 | $1,404,760 |
| 2053 | 67 | 67 | $619,605 | $1,341,201 |
| 2054 | 68 | 68 | $598,527 | $1,284,036 |
| 2055 | 69 | 69 | $576,963 | $1,226,157 |
| 2056 | 70 | 70 | $554,892 | $1,172,009 |
| 2057 | 71 | 71 | $532,299 | $1,117,052 |
| 2058 | 72 | 72 | $509,328 | $1,061,258 |
| 2059 | 73 | 73 | $485,964 | $1,004,600 |
| 2060 | 74 | 74 | $462,188 | $947,269 |
| 2061 | 75 | 75 | $437,983 | $889,277 |
| 2062 | 76 | 76 | $413,323 | $830,603 |
| 2063 | 77 | 77 | $388,099 | $771,224 |
| 2064 | 78 | 78 | $362,289 | $714,843 |
| 2065 | 79 | 79 | $335,869 | $657,715 |
| 2066 | 80 | 80 | $308,816 | $599,987 |
| 2067 | 81 | 81 | $281,105 | $541,638 |
| 2068 | 82 | 82 | $252,731 | $483,243 |
| 2069 | 83 | 83 | $223,723 | $424,992 |
| 2070 | 84 | 84 | $194,098 | $366,623 |
| 2071 | 85 | 85 | $163,869 | $307,733 |
| 2072 | 86 | 86 | $132,888 | $248,217 |
| 2073 | 87 | 87 | $101,155 | $187,874 |
| 2074 | 88 | 88 | $68,586 | $126,587 |
| 2075 | 89 | 89 | $34,877 | $64,076 |
| 2076 | 90 | 90 | $0 | $0 |
| Year | ||||
|---|---|---|---|---|
| Age | Spouse A | Spouse B | ||
| Spouse A | Spouse B | Net Worth | Net Worth | |
| 2016 | 30 | 30 | $17,900 | $46,371 |
| 2017 | 31 | 31 | $35,897 | $92,512 |
| 2018 | 32 | 32 | $53,984 | $138,406 |
| 2019 | 33 | 33 | $72,143 | $184,068 |
| 2020 | 34 | 34 | $90,377 | $229,514 |
| 2021 | 35 | 35 | $108,685 | $274,748 |
| 2022 | 36 | 36 | $127,067 | $319,781 |
| 2023 | 37 | 37 | $145,525 | $364,626 |
| 2024 | 38 | 38 | $164,058 | $409,294 |
| 2025 | 39 | 39 | $182,666 | $453,791 |
| 2026 | 40 | 40 | $201,350 | $498,117 |
| 2027 | 41 | 41 | $220,111 | $542,067 |
| 2028 | 42 | 42 | $238,948 | $585,550 |
| 2029 | 43 | 43 | $257,862 | $628,575 |
| 2030 | 44 | 44 | $276,853 | $671,148 |
| 2031 | 45 | 45 | $295,921 | $713,278 |
| 2032 | 46 | 46 | $315,067 | $754,971 |
| 2033 | 47 | 47 | $334,291 | $796,235 |
| 2034 | 48 | 48 | $353,594 | $837,077 |
| 2035 | 49 | 49 | $372,863 | $877,503 |
| 2036 | 50 | 50 | $392,057 | $917,519 |
| 2037 | 51 | 51 | $411,179 | $957,131 |
| 2038 | 52 | 52 | $430,232 | $996,346 |
| 2039 | 53 | 53 | $449,221 | $1,035,168 |
| 2040 | 54 | 54 | $468,191 | $1,073,604 |
| 2041 | 55 | 55 | $487,181 | $1,111,659 |
| 2042 | 56 | 56 | $506,191 | $1,149,337 |
| 2043 | 57 | 57 | $525,222 | $1,186,643 |
| 2044 | 58 | 58 | $544,275 | $1,223,583 |
| 2045 | 59 | 59 | $563,351 | $1,260,160 |
| 2046 | 60 | 60 | $582,450 | $1,296,375 |
| 2047 | 61 | 61 | $601,574 | $1,332,232 |
| 2048 | 62 | 62 | $620,723 | $1,367,735 |
| 2049 | 63 | 63 | $639,898 | $1,402,935 |
| 2050 | 64 | 64 | $659,098 | $1,438,000 |
| 2051 | 65 | 65 | $675,139 | $1,467,346 |
| 2052 | 66 | 66 | $647,694 | $1,404,760 |
| 2053 | 67 | 67 | $619,605 | $1,341,201 |
| 2054 | 68 | 68 | $598,527 | $1,284,036 |
| 2055 | 69 | 69 | $576,963 | $1,226,157 |
| 2056 | 70 | 70 | $554,892 | $1,172,009 |
| 2057 | 71 | 71 | $532,299 | $1,117,052 |
| 2058 | 72 | 72 | $509,328 | $1,061,258 |
| 2059 | 73 | 73 | $485,964 | $1,004,600 |
| 2060 | 74 | 74 | $462,188 | $947,269 |
| 2061 | 75 | 75 | $437,983 | $889,277 |
| 2062 | 76 | 76 | $413,323 | $830,603 |
| 2063 | 77 | 77 | $388,099 | $771,224 |
| 2064 | 78 | 78 | $362,289 | $714,843 |
| 2065 | 79 | 79 | $335,869 | $657,715 |
| 2066 | 80 | 80 | $308,816 | $599,987 |
| 2067 | 81 | 81 | $281,105 | $541,638 |
| 2068 | 82 | 82 | $252,731 | $483,243 |
| 2069 | 83 | 83 | $223,723 | $424,992 |
| 2070 | 84 | 84 | $194,098 | $366,623 |
| 2071 | 85 | 85 | $163,869 | $307,733 |
| 2072 | 86 | 86 | $132,888 | $248,217 |
| 2073 | 87 | 87 | $101,155 | $187,874 |
| 2074 | 88 | 88 | $68,586 | $126,587 |
| 2075 | 89 | 89 | $34,877 | $64,076 |
| 2076 | 90 | 90 | $0 | $0 |
| Spouse A | |||||
|---|---|---|---|---|---|
| Year | Age | Discretionary Spending | Living Standard | Saving | Life Insurance |
| 2016 | 30 | $52,675 | $52,675 | $17,900 | $0 |
| 2017 | 31 | $52,675 | $52,675 | $17,997 | $0 |
| 2018 | 32 | $52,675 | $52,675 | $18,087 | $0 |
| 2019 | 33 | $52,675 | $52,675 | $18,160 | $0 |
| 2020 | 34 | $52,675 | $52,675 | $18,234 | $0 |
| 2021 | 35 | $52,675 | $52,675 | $18,308 | $0 |
| 2022 | 36 | $52,675 | $52,675 | $18,383 | $0 |
| 2023 | 37 | $52,675 | $52,675 | $18,458 | $0 |
| 2024 | 38 | $52,675 | $52,675 | $18,533 | $0 |
| 2025 | 39 | $52,675 | $52,675 | $18,608 | $0 |
| 2026 | 40 | $52,675 | $52,675 | $18,684 | $0 |
| 2027 | 41 | $52,675 | $52,675 | $18,760 | $0 |
| 2028 | 42 | $52,675 | $52,675 | $18,837 | $0 |
| 2029 | 43 | $52,675 | $52,675 | $18,914 | $0 |
| 2030 | 44 | $52,675 | $52,675 | $18,991 | $0 |
| 2031 | 45 | $52,675 | $52,675 | $19,068 | $0 |
| 2032 | 46 | $52,675 | $52,675 | $19,146 | $0 |
| 2033 | 47 | $52,675 | $52,675 | $19,224 | $0 |
| 2034 | 48 | $52,675 | $52,675 | $19,303 | $0 |
| 2035 | 49 | $52,675 | $52,675 | $19,269 | $0 |
| 2036 | 50 | $52,675 | $52,675 | $19,194 | $0 |
| 2037 | 51 | $52,675 | $52,675 | $19,122 | $0 |
| 2038 | 52 | $52,675 | $52,675 | $19,054 | $0 |
| 2039 | 53 | $52,675 | $52,675 | $18,988 | $0 |
| 2040 | 54 | $52,675 | $52,675 | $18,970 | $0 |
| 2041 | 55 | $52,675 | $52,675 | $18,990 | $0 |
| 2042 | 56 | $52,675 | $52,675 | $19,010 | $0 |
| 2043 | 57 | $52,675 | $52,675 | $19,031 | $0 |
| 2044 | 58 | $52,675 | $52,675 | $19,053 | $0 |
| 2045 | 59 | $52,675 | $52,675 | $19,076 | $0 |
| 2046 | 60 | $52,675 | $52,675 | $19,099 | $0 |
| 2047 | 61 | $52,675 | $52,675 | $19,125 | $0 |
| 2048 | 62 | $52,675 | $52,675 | $19,149 | $0 |
| 2049 | 63 | $52,675 | $52,675 | $19,174 | $0 |
| 2050 | 64 | $52,675 | $52,675 | $19,200 | $0 |
| 2051 | 65 | $52,675 | $52,675 | $16,042 | $0 |
| 2052 | 66 | $52,675 | $52,675 | $(27,445) | $0 |
| 2053 | 67 | $52,675 | $52,675 | $(28,089) | $0 |
| 2054 | 68 | $52,675 | $52,675 | $(21,078) | $0 |
| 2055 | 69 | $52,675 | $52,675 | $(21,564) | $0 |
| 2056 | 70 | $52,675 | $52,675 | $(22,071) | $0 |
| 2057 | 71 | $52,675 | $52,675 | $(22,593) | $0 |
| 2058 | 72 | $52,675 | $52,675 | $(22,971) | $0 |
| 2059 | 73 | $52,675 | $52,675 | $(23,364) | $0 |
| 2060 | 74 | $52,675 | $52,675 | $(23,775) | $0 |
| 2061 | 75 | $52,675 | $52,675 | $(24,205) | $0 |
| 2062 | 76 | $52,675 | $52,675 | $(24,660) | $0 |
| 2063 | 77 | $52,675 | $52,675 | $(25,224) | $0 |
| 2064 | 78 | $52,675 | $52,675 | $(25,810) | $0 |
| 2065 | 79 | $52,675 | $52,675 | $(26,419) | $0 |
| 2066 | 80 | $52,675 | $52,675 | $(27,053) | $0 |
| 2067 | 81 | $52,675 | $52,675 | $(27,711) | $0 |
| 2068 | 82 | $52,675 | $52,675 | $(28,375) | $0 |
| 2069 | 83 | $52,675 | $52,675 | $(29,007) | $0 |
| 2070 | 84 | $52,675 | $52,675 | $(29,625) | $0 |
| 2071 | 85 | $52,675 | $52,675 | $(30,229) | $0 |
| 2072 | 86 | $52,675 | $52,675 | $(30,981) | $0 |
| 2073 | 87 | $52,675 | $52,675 | $(31,732) | $0 |
| 2074 | 88 | $52,675 | $52,675 | $(32,570) | $0 |
| 2075 | 89 | $52,675 | $52,675 | $(33,709) | $0 |
| 2076 | 90 | $52,675 | $52,675 | $(34,877) | $0 |
| Spouse A | ||||||
|---|---|---|---|---|---|---|
| Year | Age | Total Income | Total Spending | Taxes | Saving | Regular Assets |
| 2016 | 30 | $100,000 | $52,675 | $29,425 | $17,900 | $17,900 |
| 2017 | 31 | $100,348 | $52,675 | $29,676 | $17,997 | $35,897 |
| 2018 | 32 | $100,697 | $52,675 | $29,935 | $18,087 | $53,984 |
| 2019 | 33 | $101,048 | $52,675 | $30,214 | $18,160 | $72,143 |
| 2020 | 34 | $101,401 | $52,675 | $30,492 | $18,234 | $90,377 |
| 2021 | 35 | $101,755 | $52,675 | $30,772 | $18,308 | $108,685 |
| 2022 | 36 | $102,110 | $52,675 | $31,053 | $18,383 | $127,067 |
| 2023 | 37 | $102,467 | $52,675 | $31,335 | $18,458 | $145,525 |
| 2024 | 38 | $102,826 | $52,675 | $31,618 | $18,533 | $164,058 |
| 2025 | 39 | $103,186 | $52,675 | $31,902 | $18,608 | $182,666 |
| 2026 | 40 | $103,547 | $52,675 | $32,188 | $18,684 | $201,350 |
| 2027 | 41 | $103,910 | $52,675 | $32,474 | $18,760 | $220,111 |
| 2028 | 42 | $104,274 | $52,675 | $32,762 | $18,837 | $238,948 |
| 2029 | 43 | $104,640 | $52,675 | $33,051 | $18,914 | $257,862 |
| 2030 | 44 | $105,007 | $52,675 | $33,341 | $18,991 | $276,853 |
| 2031 | 45 | $105,376 | $52,675 | $33,632 | $19,068 | $295,921 |
| 2032 | 46 | $105,746 | $52,675 | $33,925 | $19,146 | $315,067 |
| 2033 | 47 | $106,118 | $52,675 | $34,219 | $19,224 | $334,291 |
| 2034 | 48 | $106,491 | $52,675 | $34,513 | $19,303 | $353,594 |
| 2035 | 49 | $106,866 | $52,675 | $34,922 | $19,269 | $372,863 |
| 2036 | 50 | $107,240 | $52,675 | $35,371 | $19,194 | $392,057 |
| 2037 | 51 | $107,613 | $52,675 | $35,815 | $19,122 | $411,179 |
| 2038 | 52 | $107,984 | $52,675 | $36,255 | $19,054 | $430,232 |
| 2039 | 53 | $108,354 | $52,675 | $36,691 | $18,988 | $449,221 |
| 2040 | 54 | $108,723 | $52,675 | $37,077 | $18,970 | $468,191 |
| 2041 | 55 | $109,091 | $52,675 | $37,426 | $18,990 | $487,181 |
| 2042 | 56 | $109,460 | $52,675 | $37,775 | $19,010 | $506,191 |
| 2043 | 57 | $109,829 | $52,675 | $38,123 | $19,031 | $525,222 |
| 2044 | 58 | $110,198 | $52,675 | $38,470 | $19,053 | $544,275 |
| 2045 | 59 | $110,568 | $52,675 | $38,818 | $19,076 | $563,351 |
| 2046 | 60 | $110,939 | $52,675 | $39,165 | $19,099 | $582,450 |
| 2047 | 61 | $111,310 | $52,675 | $39,510 | $19,125 | $601,574 |
| 2048 | 62 | $111,681 | $52,675 | $39,857 | $19,149 | $620,723 |
| 2049 | 63 | $112,053 | $52,675 | $40,203 | $19,174 | $639,898 |
| 2050 | 64 | $112,425 | $52,675 | $40,550 | $19,200 | $659,098 |
| 2051 | 65 | $112,798 | $56,202 | $40,554 | $16,042 | $675,139 |
| 2052 | 66 | $49,237 | $67,434 | $9,248 | $(27,445) | $647,694 |
| 2053 | 67 | $48,704 | $68,113 | $8,680 | $(28,089) | $619,605 |
| 2054 | 68 | $48,858 | $60,749 | $9,187 | $(21,078) | $598,527 |
| 2055 | 69 | $48,448 | $61,120 | $8,892 | $(21,564) | $576,963 |
| 2056 | 70 | $48,030 | $61,509 | $8,592 | $(22,071) | $554,892 |
| 2057 | 71 | $47,601 | $61,915 | $8,279 | $(22,593) | $532,299 |
| 2058 | 72 | $47,162 | $62,340 | $7,793 | $(22,971) | $509,328 |
| 2059 | 73 | $46,716 | $62,785 | $7,296 | $(23,364) | $485,964 |
| 2060 | 74 | $46,263 | $63,250 | $6,788 | $(23,775) | $462,188 |
| 2061 | 75 | $45,801 | $63,736 | $6,269 | $(24,205) | $437,983 |
| 2062 | 76 | $45,331 | $64,245 | $5,746 | $(24,660) | $413,323 |
| 2063 | 77 | $44,852 | $64,777 | $5,299 | $(25,224) | $388,099 |
| 2064 | 78 | $44,362 | $65,334 | $4,839 | $(25,810) | $362,289 |
| 2065 | 79 | $43,861 | $65,916 | $4,364 | $(26,419) | $335,869 |
| 2066 | 80 | $43,348 | $66,525 | $3,876 | $(27,053) | $308,816 |
| 2067 | 81 | $42,823 | $67,162 | $3,372 | $(27,711) | $281,105 |
| 2068 | 82 | $42,285 | $67,813 | $2,846 | $(28,375) | $252,731 |
| 2069 | 83 | $41,734 | $68,445 | $2,296 | $(29,007) | $223,723 |
| 2070 | 84 | $41,171 | $69,058 | $1,738 | $(29,625) | $194,098 |
| 2071 | 85 | $40,595 | $69,654 | $1,171 | $(30,229) | $163,869 |
| 2072 | 86 | $40,008 | $70,232 | $758 | $(30,981) | $132,888 |
| 2073 | 87 | $39,407 | $70,793 | $346 | $(31,732) | $101,155 |
| 2074 | 88 | $38,791 | $71,338 | $22 | $(32,570) | $68,586 |
| 2075 | 89 | $38,158 | $71,867 | $0 | $(33,709) | $34,877 |
| 2076 | 90 | $37,504 | $72,381 | $0 | $(34,877) | $0 |
| Spouse A | ||||||
|---|---|---|---|---|---|---|
| Year | Age | Non-Asset Income | Other Income | Retirement Withdrawals | Regular Assets Income | Total Income |
| 2016 | 30 | $100,000 | $0 | $0 | $0 | $100,000 |
| 2017 | 31 | $100,000 | $0 | $0 | $348 | $100,348 |
| 2018 | 32 | $100,000 | $0 | $0 | $697 | $100,697 |
| 2019 | 33 | $100,000 | $0 | $0 | $1,048 | $101,048 |
| 2020 | 34 | $100,000 | $0 | $0 | $1,401 | $101,401 |
| 2021 | 35 | $100,000 | $0 | $0 | $1,755 | $101,755 |
| 2022 | 36 | $100,000 | $0 | $0 | $2,110 | $102,110 |
| 2023 | 37 | $100,000 | $0 | $0 | $2,467 | $102,467 |
| 2024 | 38 | $100,000 | $0 | $0 | $2,826 | $102,826 |
| 2025 | 39 | $100,000 | $0 | $0 | $3,186 | $103,186 |
| 2026 | 40 | $100,000 | $0 | $0 | $3,547 | $103,547 |
| 2027 | 41 | $100,000 | $0 | $0 | $3,910 | $103,910 |
| 2028 | 42 | $100,000 | $0 | $0 | $4,274 | $104,274 |
| 2029 | 43 | $100,000 | $0 | $0 | $4,640 | $104,640 |
| 2030 | 44 | $100,000 | $0 | $0 | $5,007 | $105,007 |
| 2031 | 45 | $100,000 | $0 | $0 | $5,376 | $105,376 |
| 2032 | 46 | $100,000 | $0 | $0 | $5,746 | $105,746 |
| 2033 | 47 | $100,000 | $0 | $0 | $6,118 | $106,118 |
| 2034 | 48 | $100,000 | $0 | $0 | $6,491 | $106,491 |
| 2035 | 49 | $100,000 | $0 | $0 | $6,866 | $106,866 |
| 2036 | 50 | $100,000 | $0 | $0 | $7,240 | $107,240 |
| 2037 | 51 | $100,000 | $0 | $0 | $7,613 | $107,613 |
| 2038 | 52 | $100,000 | $0 | $0 | $7,984 | $107,984 |
| 2039 | 53 | $100,000 | $0 | $0 | $8,354 | $108,354 |
| 2040 | 54 | $100,000 | $0 | $0 | $8,723 | $108,723 |
| 2041 | 55 | $100,000 | $0 | $0 | $9,091 | $109,091 |
| 2042 | 56 | $100,000 | $0 | $0 | $9,460 | $109,460 |
| 2043 | 57 | $100,000 | $0 | $0 | $9,829 | $109,829 |
| 2044 | 58 | $100,000 | $0 | $0 | $10,198 | $110,198 |
| 2045 | 59 | $100,000 | $0 | $0 | $10,568 | $110,568 |
| 2046 | 60 | $100,000 | $0 | $0 | $10,939 | $110,939 |
| 2047 | 61 | $100,000 | $0 | $0 | $11,310 | $111,310 |
| 2048 | 62 | $100,000 | $0 | $0 | $11,681 | $111,681 |
| 2049 | 63 | $100,000 | $0 | $0 | $12,053 | $112,053 |
| 2050 | 64 | $100,000 | $0 | $0 | $12,425 | $112,425 |
| 2051 | 65 | $100,000 | $0 | $0 | $12,798 | $112,798 |
| 2052 | 66 | $36,127 | $0 | $0 | $13,110 | $49,237 |
| 2053 | 67 | $36,127 | $0 | $0 | $12,577 | $48,704 |
| 2054 | 68 | $36,826 | $0 | $0 | $12,031 | $48,857 |
| 2055 | 69 | $36,826 | $0 | $0 | $11,622 | $48,448 |
| 2056 | 70 | $36,826 | $0 | $0 | $11,203 | $48,029 |
| 2057 | 71 | $36,826 | $0 | $0 | $10,775 | $47,601 |
| 2058 | 72 | $36,826 | $0 | $0 | $10,336 | $47,162 |
| 2059 | 73 | $36,826 | $0 | $0 | $9,890 | $46,716 |
| 2060 | 74 | $36,826 | $0 | $0 | $9,436 | $46,262 |
| 2061 | 75 | $36,826 | $0 | $0 | $8,975 | $45,801 |
| 2062 | 76 | $36,826 | $0 | $0 | $8,505 | $45,331 |
| 2063 | 77 | $36,826 | $0 | $0 | $8,026 | $44,852 |
| 2064 | 78 | $36,826 | $0 | $0 | $7,536 | $44,362 |
| 2065 | 79 | $36,826 | $0 | $0 | $7,035 | $43,861 |
| 2066 | 80 | $36,826 | $0 | $0 | $6,522 | $43,348 |
| 2067 | 81 | $36,826 | $0 | $0 | $5,996 | $42,822 |
| 2068 | 82 | $36,826 | $0 | $0 | $5,458 | $42,284 |
| 2069 | 83 | $36,826 | $0 | $0 | $4,907 | $41,733 |
| 2070 | 84 | $36,826 | $0 | $0 | $4,344 | $41,170 |
| 2071 | 85 | $36,826 | $0 | $0 | $3,769 | $40,595 |
| 2072 | 86 | $36,826 | $0 | $0 | $3,182 | $40,008 |
| 2073 | 87 | $36,826 | $0 | $0 | $2,580 | $39,406 |
| 2074 | 88 | $36,826 | $0 | $0 | $1,964 | $38,790 |
| 2075 | 89 | $36,826 | $0 | $0 | $1,332 | $38,158 |
| 2076 | 90 | $36,826 | $0 | $0 | $677 | $37,503 |
| Spouse A | ||||
|---|---|---|---|---|
| Year | Age | Discretionary Spending | Non-Discretionary Spending | Total Spending |
| 2016 | 30 | $52,675 | $0 | $52,675 |
| 2017 | 31 | $52,675 | $0 | $52,675 |
| 2018 | 32 | $52,675 | $0 | $52,675 |
| 2019 | 33 | $52,675 | $0 | $52,675 |
| 2020 | 34 | $52,675 | $0 | $52,675 |
| 2021 | 35 | $52,675 | $0 | $52,675 |
| 2022 | 36 | $52,675 | $0 | $52,675 |
| 2023 | 37 | $52,675 | $0 | $52,675 |
| 2024 | 38 | $52,675 | $0 | $52,675 |
| 2025 | 39 | $52,675 | $0 | $52,675 |
| 2026 | 40 | $52,675 | $0 | $52,675 |
| 2027 | 41 | $52,675 | $0 | $52,675 |
| 2028 | 42 | $52,675 | $0 | $52,675 |
| 2029 | 43 | $52,675 | $0 | $52,675 |
| 2030 | 44 | $52,675 | $0 | $52,675 |
| 2031 | 45 | $52,675 | $0 | $52,675 |
| 2032 | 46 | $52,675 | $0 | $52,675 |
| 2033 | 47 | $52,675 | $0 | $52,675 |
| 2034 | 48 | $52,675 | $0 | $52,675 |
| 2035 | 49 | $52,675 | $0 | $52,675 |
| 2036 | 50 | $52,675 | $0 | $52,675 |
| 2037 | 51 | $52,675 | $0 | $52,675 |
| 2038 | 52 | $52,675 | $0 | $52,675 |
| 2039 | 53 | $52,675 | $0 | $52,675 |
| 2040 | 54 | $52,675 | $0 | $52,675 |
| 2041 | 55 | $52,675 | $0 | $52,675 |
| 2042 | 56 | $52,675 | $0 | $52,675 |
| 2043 | 57 | $52,675 | $0 | $52,675 |
| 2044 | 58 | $52,675 | $0 | $52,675 |
| 2045 | 59 | $52,675 | $0 | $52,675 |
| 2046 | 60 | $52,675 | $0 | $52,675 |
| 2047 | 61 | $52,675 | $0 | $52,675 |
| 2048 | 62 | $52,675 | $0 | $52,675 |
| 2049 | 63 | $52,675 | $0 | $52,675 |
| 2050 | 64 | $52,675 | $0 | $52,675 |
| 2051 | 65 | $52,675 | $3,527 | $56,202 |
| 2052 | 66 | $52,675 | $14,759 | $67,434 |
| 2053 | 67 | $52,675 | $15,437 | $68,112 |
| 2054 | 68 | $52,675 | $8,074 | $60,749 |
| 2055 | 69 | $52,675 | $8,445 | $61,120 |
| 2056 | 70 | $52,675 | $8,834 | $61,509 |
| 2057 | 71 | $52,675 | $9,240 | $61,915 |
| 2058 | 72 | $52,675 | $9,665 | $62,340 |
| 2059 | 73 | $52,675 | $10,110 | $62,785 |
| 2060 | 74 | $52,675 | $10,575 | $63,250 |
| 2061 | 75 | $52,675 | $11,061 | $63,736 |
| 2062 | 76 | $52,675 | $11,570 | $64,245 |
| 2063 | 77 | $52,675 | $12,102 | $64,777 |
| 2064 | 78 | $52,675 | $12,659 | $65,334 |
| 2065 | 79 | $52,675 | $13,241 | $65,916 |
| 2066 | 80 | $52,675 | $13,850 | $66,525 |
| 2067 | 81 | $52,675 | $14,487 | $67,162 |
| 2068 | 82 | $52,675 | $15,138 | $67,813 |
| 2069 | 83 | $52,675 | $15,770 | $68,445 |
| 2070 | 84 | $52,675 | $16,383 | $69,058 |
| 2071 | 85 | $52,675 | $16,978 | $69,653 |
| 2072 | 86 | $52,675 | $17,557 | $70,232 |
| 2073 | 87 | $52,675 | $18,118 | $70,793 |
| 2074 | 88 | $52,675 | $18,663 | $71,338 |
| 2075 | 89 | $52,675 | $19,192 | $71,867 |
| 2076 | 90 | $52,675 | $19,705 | $72,380 |
| Spouse A | |||||
|---|---|---|---|---|---|
| Year | Age | Labor Income | Pension Income | Social Security Benefits | Total Non-Asset Income |
| 2016 | 30 | $100,000 | $0 | $0 | $100,000 |
| 2017 | 31 | $100,000 | $0 | $0 | $100,000 |
| 2018 | 32 | $100,000 | $0 | $0 | $100,000 |
| 2019 | 33 | $100,000 | $0 | $0 | $100,000 |
| 2020 | 34 | $100,000 | $0 | $0 | $100,000 |
| 2021 | 35 | $100,000 | $0 | $0 | $100,000 |
| 2022 | 36 | $100,000 | $0 | $0 | $100,000 |
| 2023 | 37 | $100,000 | $0 | $0 | $100,000 |
| 2024 | 38 | $100,000 | $0 | $0 | $100,000 |
| 2025 | 39 | $100,000 | $0 | $0 | $100,000 |
| 2026 | 40 | $100,000 | $0 | $0 | $100,000 |
| 2027 | 41 | $100,000 | $0 | $0 | $100,000 |
| 2028 | 42 | $100,000 | $0 | $0 | $100,000 |
| 2029 | 43 | $100,000 | $0 | $0 | $100,000 |
| 2030 | 44 | $100,000 | $0 | $0 | $100,000 |
| 2031 | 45 | $100,000 | $0 | $0 | $100,000 |
| 2032 | 46 | $100,000 | $0 | $0 | $100,000 |
| 2033 | 47 | $100,000 | $0 | $0 | $100,000 |
| 2034 | 48 | $100,000 | $0 | $0 | $100,000 |
| 2035 | 49 | $100,000 | $0 | $0 | $100,000 |
| 2036 | 50 | $100,000 | $0 | $0 | $100,000 |
| 2037 | 51 | $100,000 | $0 | $0 | $100,000 |
| 2038 | 52 | $100,000 | $0 | $0 | $100,000 |
| 2039 | 53 | $100,000 | $0 | $0 | $100,000 |
| 2040 | 54 | $100,000 | $0 | $0 | $100,000 |
| 2041 | 55 | $100,000 | $0 | $0 | $100,000 |
| 2042 | 56 | $100,000 | $0 | $0 | $100,000 |
| 2043 | 57 | $100,000 | $0 | $0 | $100,000 |
| 2044 | 58 | $100,000 | $0 | $0 | $100,000 |
| 2045 | 59 | $100,000 | $0 | $0 | $100,000 |
| 2046 | 60 | $100,000 | $0 | $0 | $100,000 |
| 2047 | 61 | $100,000 | $0 | $0 | $100,000 |
| 2048 | 62 | $100,000 | $0 | $0 | $100,000 |
| 2049 | 63 | $100,000 | $0 | $0 | $100,000 |
| 2050 | 64 | $100,000 | $0 | $0 | $100,000 |
| 2051 | 65 | $100,000 | $0 | $0 | $100,000 |
| 2052 | 66 | $0 | $0 | $36,127 | $36,127 |
| 2053 | 67 | $0 | $0 | $36,127 | $36,127 |
| 2054 | 68 | $0 | $0 | $36,826 | $36,826 |
| 2055 | 69 | $0 | $0 | $36,826 | $36,826 |
| 2056 | 70 | $0 | $0 | $36,826 | $36,826 |
| 2057 | 71 | $0 | $0 | $36,826 | $36,826 |
| 2058 | 72 | $0 | $0 | $36,826 | $36,826 |
| 2059 | 73 | $0 | $0 | $36,826 | $36,826 |
| 2060 | 74 | $0 | $0 | $36,826 | $36,826 |
| 2061 | 75 | $0 | $0 | $36,826 | $36,826 |
| 2062 | 76 | $0 | $0 | $36,826 | $36,826 |
| 2063 | 77 | $0 | $0 | $36,826 | $36,826 |
| 2064 | 78 | $0 | $0 | $36,826 | $36,826 |
| 2065 | 79 | $0 | $0 | $36,826 | $36,826 |
| 2066 | 80 | $0 | $0 | $36,826 | $36,826 |
| 2067 | 81 | $0 | $0 | $36,826 | $36,826 |
| 2068 | 82 | $0 | $0 | $36,826 | $36,826 |
| 2069 | 83 | $0 | $0 | $36,826 | $36,826 |
| 2070 | 84 | $0 | $0 | $36,826 | $36,826 |
| 2071 | 85 | $0 | $0 | $36,826 | $36,826 |
| 2072 | 86 | $0 | $0 | $36,826 | $36,826 |
| 2073 | 87 | $0 | $0 | $36,826 | $36,826 |
| 2074 | 88 | $0 | $0 | $36,826 | $36,826 |
| 2075 | 89 | $0 | $0 | $36,826 | $36,826 |
| 2076 | 90 | $0 | $0 | $36,826 | $36,826 |
| Spouse A | |||||
|---|---|---|---|---|---|
| Year | Age | Federal Income Tax | State Income Tax | FICA Tax | Total Taxes |
| 2016 | 30 | $18,184 | $3,591 | $7,650 | $29,425 |
| 2017 | 31 | $18,401 | $3,625 | $7,650 | $29,676 |
| 2018 | 32 | $18,627 | $3,658 | $7,650 | $29,935 |
| 2019 | 33 | $18,873 | $3,691 | $7,650 | $30,214 |
| 2020 | 34 | $19,119 | $3,723 | $7,650 | $30,492 |
| 2021 | 35 | $19,367 | $3,755 | $7,650 | $30,772 |
| 2022 | 36 | $19,616 | $3,787 | $7,650 | $31,053 |
| 2023 | 37 | $19,866 | $3,819 | $7,650 | $31,335 |
| 2024 | 38 | $20,117 | $3,851 | $7,650 | $31,618 |
| 2025 | 39 | $20,369 | $3,883 | $7,650 | $31,902 |
| 2026 | 40 | $20,622 | $3,916 | $7,650 | $32,188 |
| 2027 | 41 | $20,876 | $3,949 | $7,650 | $32,474 |
| 2028 | 42 | $21,131 | $3,981 | $7,650 | $32,762 |
| 2029 | 43 | $21,387 | $4,014 | $7,650 | $33,051 |
| 2030 | 44 | $21,644 | $4,047 | $7,650 | $33,341 |
| 2031 | 45 | $21,902 | $4,081 | $7,650 | $33,632 |
| 2032 | 46 | $22,161 | $4,114 | $7,650 | $33,925 |
| 2033 | 47 | $22,421 | $4,147 | $7,650 | $34,219 |
| 2034 | 48 | $22,683 | $4,181 | $7,650 | $34,513 |
| 2035 | 49 | $22,945 | $4,209 | $7,768 | $34,922 |
| 2036 | 50 | $23,207 | $4,234 | $7,930 | $35,371 |
| 2037 | 51 | $23,468 | $4,260 | $8,088 | $35,815 |
| 2038 | 52 | $23,728 | $4,286 | $8,242 | $36,255 |
| 2039 | 53 | $23,987 | $4,311 | $8,393 | $36,691 |
| 2040 | 54 | $24,245 | $4,340 | $8,493 | $37,077 |
| 2041 | 55 | $24,503 | $4,370 | $8,554 | $37,426 |
| 2042 | 56 | $24,761 | $4,400 | $8,614 | $37,775 |
| 2043 | 57 | $25,019 | $4,430 | $8,673 | $38,123 |
| 2044 | 58 | $25,278 | $4,460 | $8,732 | $38,470 |
| 2045 | 59 | $25,537 | $4,491 | $8,790 | $38,818 |
| 2046 | 60 | $25,796 | $4,521 | $8,848 | $39,165 |
| 2047 | 61 | $26,056 | $4,550 | $8,904 | $39,510 |
| 2048 | 62 | $26,315 | $4,581 | $8,961 | $39,857 |
| 2049 | 63 | $26,576 | $4,611 | $9,016 | $40,203 |
| 2050 | 64 | $26,836 | $4,642 | $9,072 | $40,550 |
| 2051 | 65 | $26,737 | $4,691 | $9,126 | $40,554 |
| 2052 | 66 | $8,130 | $1,118 | $0 | $9,248 |
| 2053 | 67 | $7,602 | $1,078 | $0 | $8,680 |
| 2054 | 68 | $8,207 | $980 | $0 | $9,187 |
| 2055 | 69 | $7,951 | $941 | $0 | $8,892 |
| 2056 | 70 | $7,689 | $902 | $0 | $8,592 |
| 2057 | 71 | $7,417 | $862 | $0 | $8,279 |
| 2058 | 72 | $6,963 | $830 | $0 | $7,793 |
| 2059 | 73 | $6,499 | $797 | $0 | $7,296 |
| 2060 | 74 | $6,024 | $764 | $0 | $6,788 |
| 2061 | 75 | $5,538 | $731 | $0 | $6,269 |
| 2062 | 76 | $5,049 | $697 | $0 | $5,746 |
| 2063 | 77 | $4,642 | $657 | $0 | $5,299 |
| 2064 | 78 | $4,222 | $617 | $0 | $4,839 |
| 2065 | 79 | $3,788 | $576 | $0 | $4,364 |
| 2066 | 80 | $3,341 | $534 | $0 | $3,876 |
| 2067 | 81 | $2,880 | $492 | $0 | $3,372 |
| 2068 | 82 | $2,407 | $440 | $0 | $2,846 |
| 2069 | 83 | $1,926 | $371 | $0 | $2,296 |
| 2070 | 84 | $1,437 | $300 | $0 | $1,738 |
| 2071 | 85 | $942 | $229 | $0 | $1,171 |
| 2072 | 86 | $603 | $155 | $0 | $758 |
| 2073 | 87 | $262 | $84 | $0 | $346 |
| 2074 | 88 | $0 | $22 | $0 | $22 |
| 2075 | 89 | $0 | $0 | $0 | $0 |
| 2076 | 90 | $0 | $0 | $0 | $0 |
| Spouse A | |||||||
|---|---|---|---|---|---|---|---|
| Year | Age | Regular Assets | Reserve Fund | Life Insurance | Retirement Accounts | Home Equity | Net Estate |
| 2016 | 30 | $17,900 | $0 | $0 | $0 | $0 | $17,900 |
| 2017 | 31 | $35,897 | $0 | $0 | $0 | $0 | $35,897 |
| 2018 | 32 | $53,984 | $0 | $0 | $0 | $0 | $53,984 |
| 2019 | 33 | $72,143 | $0 | $0 | $0 | $0 | $72,143 |
| 2020 | 34 | $90,377 | $0 | $0 | $0 | $0 | $90,377 |
| 2021 | 35 | $108,685 | $0 | $0 | $0 | $0 | $108,685 |
| 2022 | 36 | $127,067 | $0 | $0 | $0 | $0 | $127,067 |
| 2023 | 37 | $145,525 | $0 | $0 | $0 | $0 | $145,525 |
| 2024 | 38 | $164,058 | $0 | $0 | $0 | $0 | $164,058 |
| 2025 | 39 | $182,666 | $0 | $0 | $0 | $0 | $182,666 |
| 2026 | 40 | $201,350 | $0 | $0 | $0 | $0 | $201,350 |
| 2027 | 41 | $220,111 | $0 | $0 | $0 | $0 | $220,111 |
| 2028 | 42 | $238,948 | $0 | $0 | $0 | $0 | $238,948 |
| 2029 | 43 | $257,862 | $0 | $0 | $0 | $0 | $257,862 |
| 2030 | 44 | $276,853 | $0 | $0 | $0 | $0 | $276,853 |
| 2031 | 45 | $295,921 | $0 | $0 | $0 | $0 | $295,921 |
| 2032 | 46 | $315,067 | $0 | $0 | $0 | $0 | $315,067 |
| 2033 | 47 | $334,291 | $0 | $0 | $0 | $0 | $334,291 |
| 2034 | 48 | $353,594 | $0 | $0 | $0 | $0 | $353,594 |
| 2035 | 49 | $372,863 | $0 | $0 | $0 | $0 | $372,863 |
| 2036 | 50 | $392,057 | $0 | $0 | $0 | $0 | $392,057 |
| 2037 | 51 | $411,179 | $0 | $0 | $0 | $0 | $411,179 |
| 2038 | 52 | $430,232 | $0 | $0 | $0 | $0 | $430,232 |
| 2039 | 53 | $449,221 | $0 | $0 | $0 | $0 | $449,221 |
| 2040 | 54 | $468,191 | $0 | $0 | $0 | $0 | $468,191 |
| 2041 | 55 | $487,181 | $0 | $0 | $0 | $0 | $487,181 |
| 2042 | 56 | $506,191 | $0 | $0 | $0 | $0 | $506,191 |
| 2043 | 57 | $525,222 | $0 | $0 | $0 | $0 | $525,222 |
| 2044 | 58 | $544,275 | $0 | $0 | $0 | $0 | $544,275 |
| 2045 | 59 | $563,351 | $0 | $0 | $0 | $0 | $563,351 |
| 2046 | 60 | $582,450 | $0 | $0 | $0 | $0 | $582,450 |
| 2047 | 61 | $601,574 | $0 | $0 | $0 | $0 | $601,574 |
| 2048 | 62 | $620,723 | $0 | $0 | $0 | $0 | $620,723 |
| 2049 | 63 | $639,898 | $0 | $0 | $0 | $0 | $639,898 |
| 2050 | 64 | $659,098 | $0 | $0 | $0 | $0 | $659,098 |
| 2051 | 65 | $675,139 | $0 | $0 | $0 | $0 | $675,139 |
| 2052 | 66 | $647,694 | $0 | $0 | $0 | $0 | $647,694 |
| 2053 | 67 | $619,605 | $0 | $0 | $0 | $0 | $619,605 |
| 2054 | 68 | $598,527 | $0 | $0 | $0 | $0 | $598,527 |
| 2055 | 69 | $576,963 | $0 | $0 | $0 | $0 | $576,963 |
| 2056 | 70 | $554,892 | $0 | $0 | $0 | $0 | $554,892 |
| 2057 | 71 | $532,299 | $0 | $0 | $0 | $0 | $532,299 |
| 2058 | 72 | $509,328 | $0 | $0 | $0 | $0 | $509,328 |
| 2059 | 73 | $485,964 | $0 | $0 | $0 | $0 | $485,964 |
| 2060 | 74 | $462,188 | $0 | $0 | $0 | $0 | $462,188 |
| 2061 | 75 | $437,983 | $0 | $0 | $0 | $0 | $437,983 |
| 2062 | 76 | $413,323 | $0 | $0 | $0 | $0 | $413,323 |
| 2063 | 77 | $388,099 | $0 | $0 | $0 | $0 | $388,099 |
| 2064 | 78 | $362,289 | $0 | $0 | $0 | $0 | $362,289 |
| 2065 | 79 | $335,869 | $0 | $0 | $0 | $0 | $335,869 |
| 2066 | 80 | $308,816 | $0 | $0 | $0 | $0 | $308,816 |
| 2067 | 81 | $281,105 | $0 | $0 | $0 | $0 | $281,105 |
| 2068 | 82 | $252,731 | $0 | $0 | $0 | $0 | $252,731 |
| 2069 | 83 | $223,723 | $0 | $0 | $0 | $0 | $223,723 |
| 2070 | 84 | $194,098 | $0 | $0 | $0 | $0 | $194,098 |
| 2071 | 85 | $163,869 | $0 | $0 | $0 | $0 | $163,869 |
| 2072 | 86 | $132,888 | $0 | $0 | $0 | $0 | $132,888 |
| 2073 | 87 | $101,155 | $0 | $0 | $0 | $0 | $101,155 |
| 2074 | 88 | $68,586 | $0 | $0 | $0 | $0 | $68,586 |
| 2075 | 89 | $34,877 | $0 | $0 | $0 | $0 | $34,877 |
| 2076 | 90 | $0 | $0 | $0 | $0 | $0 | $0 |
| Spouse A | ||||||||
|---|---|---|---|---|---|---|---|---|
| Year | Age | Retirement Benefits | Spousal Benefits | Survivor Benefits | Children's Benefits | Earnings Deduction for Parent | Earnings Deduction for Children | Net Benefit |
| 2016 | 30 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2017 | 31 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2018 | 32 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2019 | 33 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2020 | 34 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2021 | 35 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2022 | 36 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2023 | 37 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2024 | 38 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2025 | 39 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2026 | 40 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2027 | 41 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2028 | 42 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2029 | 43 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2030 | 44 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2031 | 45 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2032 | 46 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2033 | 47 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2034 | 48 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2035 | 49 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2036 | 50 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2037 | 51 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2038 | 52 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2039 | 53 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2040 | 54 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2041 | 55 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2042 | 56 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2043 | 57 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2044 | 58 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2045 | 59 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2046 | 60 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2047 | 61 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2048 | 62 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2049 | 63 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2050 | 64 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2051 | 65 | $9,032 | $0 | $0 | $0 | $9,032 | $0 | $0 |
| 2052 | 66 | $36,127 | $0 | $0 | $0 | $0 | $0 | $36,127 |
| 2053 | 67 | $36,127 | $0 | $0 | $0 | $0 | $0 | $36,127 |
| 2054 | 68 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2055 | 69 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2056 | 70 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2057 | 71 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2058 | 72 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2059 | 73 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2060 | 74 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2061 | 75 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2062 | 76 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2063 | 77 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2064 | 78 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2065 | 79 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2066 | 80 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2067 | 81 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2068 | 82 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2069 | 83 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2070 | 84 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2071 | 85 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2072 | 86 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2073 | 87 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2074 | 88 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2075 | 89 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| 2076 | 90 | $36,826 | $0 | $0 | $0 | $0 | $0 | $36,826 |
| Spouse A | ||||||
|---|---|---|---|---|---|---|
| Year | Age | Regular Assets | Housing Equity | Reserve Fund | Retirement Accounts | Net Worth |
| 2016 | 30 | $17,900 | $0 | $0 | $0 | $17,900 |
| 2017 | 31 | $35,897 | $0 | $0 | $0 | $35,897 |
| 2018 | 32 | $53,984 | $0 | $0 | $0 | $53,984 |
| 2019 | 33 | $72,143 | $0 | $0 | $0 | $72,143 |
| 2020 | 34 | $90,377 | $0 | $0 | $0 | $90,377 |
| 2021 | 35 | $108,685 | $0 | $0 | $0 | $108,685 |
| 2022 | 36 | $127,067 | $0 | $0 | $0 | $127,067 |
| 2023 | 37 | $145,525 | $0 | $0 | $0 | $145,525 |
| 2024 | 38 | $164,058 | $0 | $0 | $0 | $164,058 |
| 2025 | 39 | $182,666 | $0 | $0 | $0 | $182,666 |
| 2026 | 40 | $201,350 | $0 | $0 | $0 | $201,350 |
| 2027 | 41 | $220,111 | $0 | $0 | $0 | $220,111 |
| 2028 | 42 | $238,948 | $0 | $0 | $0 | $238,948 |
| 2029 | 43 | $257,862 | $0 | $0 | $0 | $257,862 |
| 2030 | 44 | $276,853 | $0 | $0 | $0 | $276,853 |
| 2031 | 45 | $295,921 | $0 | $0 | $0 | $295,921 |
| 2032 | 46 | $315,067 | $0 | $0 | $0 | $315,067 |
| 2033 | 47 | $334,291 | $0 | $0 | $0 | $334,291 |
| 2034 | 48 | $353,594 | $0 | $0 | $0 | $353,594 |
| 2035 | 49 | $372,863 | $0 | $0 | $0 | $372,863 |
| 2036 | 50 | $392,057 | $0 | $0 | $0 | $392,057 |
| 2037 | 51 | $411,179 | $0 | $0 | $0 | $411,179 |
| 2038 | 52 | $430,232 | $0 | $0 | $0 | $430,232 |
| 2039 | 53 | $449,221 | $0 | $0 | $0 | $449,221 |
| 2040 | 54 | $468,191 | $0 | $0 | $0 | $468,191 |
| 2041 | 55 | $487,181 | $0 | $0 | $0 | $487,181 |
| 2042 | 56 | $506,191 | $0 | $0 | $0 | $506,191 |
| 2043 | 57 | $525,222 | $0 | $0 | $0 | $525,222 |
| 2044 | 58 | $544,275 | $0 | $0 | $0 | $544,275 |
| 2045 | 59 | $563,351 | $0 | $0 | $0 | $563,351 |
| 2046 | 60 | $582,450 | $0 | $0 | $0 | $582,450 |
| 2047 | 61 | $601,574 | $0 | $0 | $0 | $601,574 |
| 2048 | 62 | $620,723 | $0 | $0 | $0 | $620,723 |
| 2049 | 63 | $639,898 | $0 | $0 | $0 | $639,898 |
| 2050 | 64 | $659,098 | $0 | $0 | $0 | $659,098 |
| 2051 | 65 | $675,139 | $0 | $0 | $0 | $675,139 |
| 2052 | 66 | $647,694 | $0 | $0 | $0 | $647,694 |
| 2053 | 67 | $619,605 | $0 | $0 | $0 | $619,605 |
| 2054 | 68 | $598,527 | $0 | $0 | $0 | $598,527 |
| 2055 | 69 | $576,963 | $0 | $0 | $0 | $576,963 |
| 2056 | 70 | $554,892 | $0 | $0 | $0 | $554,892 |
| 2057 | 71 | $532,299 | $0 | $0 | $0 | $532,299 |
| 2058 | 72 | $509,328 | $0 | $0 | $0 | $509,328 |
| 2059 | 73 | $485,964 | $0 | $0 | $0 | $485,964 |
| 2060 | 74 | $462,188 | $0 | $0 | $0 | $462,188 |
| 2061 | 75 | $437,983 | $0 | $0 | $0 | $437,983 |
| 2062 | 76 | $413,323 | $0 | $0 | $0 | $413,323 |
| 2063 | 77 | $388,099 | $0 | $0 | $0 | $388,099 |
| 2064 | 78 | $362,289 | $0 | $0 | $0 | $362,289 |
| 2065 | 79 | $335,869 | $0 | $0 | $0 | $335,869 |
| 2066 | 80 | $308,816 | $0 | $0 | $0 | $308,816 |
| 2067 | 81 | $281,105 | $0 | $0 | $0 | $281,105 |
| 2068 | 82 | $252,731 | $0 | $0 | $0 | $252,731 |
| 2069 | 83 | $223,723 | $0 | $0 | $0 | $223,723 |
| 2070 | 84 | $194,098 | $0 | $0 | $0 | $194,098 |
| 2071 | 85 | $163,869 | $0 | $0 | $0 | $163,869 |
| 2072 | 86 | $132,888 | $0 | $0 | $0 | $132,888 |
| 2073 | 87 | $101,155 | $0 | $0 | $0 | $101,155 |
| 2074 | 88 | $68,586 | $0 | $0 | $0 | $68,586 |
| 2075 | 89 | $34,877 | $0 | $0 | $0 | $34,877 |
| 2076 | 90 | $0 | $0 | $0 | $0 | $0 |
| Spouse B | |||||
|---|---|---|---|---|---|
| Year | Age | Discretionary Spending | Living Standard | Saving | Life Insurance |
| 2016 | 30 | $88,462 | $88,462 | $46,371 | $0 |
| 2017 | 31 | $88,462 | $88,462 | $46,140 | $0 |
| 2018 | 32 | $88,462 | $88,462 | $45,894 | $0 |
| 2019 | 33 | $88,462 | $88,462 | $45,662 | $0 |
| 2020 | 34 | $88,462 | $88,462 | $45,447 | $0 |
| 2021 | 35 | $88,462 | $88,462 | $45,234 | $0 |
| 2022 | 36 | $88,462 | $88,462 | $45,033 | $0 |
| 2023 | 37 | $88,462 | $88,462 | $44,845 | $0 |
| 2024 | 38 | $88,462 | $88,462 | $44,668 | $0 |
| 2025 | 39 | $88,462 | $88,462 | $44,497 | $0 |
| 2026 | 40 | $88,462 | $88,462 | $44,326 | $0 |
| 2027 | 41 | $88,462 | $88,462 | $43,950 | $0 |
| 2028 | 42 | $88,462 | $88,462 | $43,483 | $0 |
| 2029 | 43 | $88,462 | $88,462 | $43,024 | $0 |
| 2030 | 44 | $88,462 | $88,462 | $42,573 | $0 |
| 2031 | 45 | $88,462 | $88,462 | $42,130 | $0 |
| 2032 | 46 | $88,462 | $88,462 | $41,693 | $0 |
| 2033 | 47 | $88,462 | $88,462 | $41,264 | $0 |
| 2034 | 48 | $88,462 | $88,462 | $40,842 | $0 |
| 2035 | 49 | $88,462 | $88,462 | $40,426 | $0 |
| 2036 | 50 | $88,462 | $88,462 | $40,016 | $0 |
| 2037 | 51 | $88,462 | $88,462 | $39,612 | $0 |
| 2038 | 52 | $88,462 | $88,462 | $39,215 | $0 |
| 2039 | 53 | $88,462 | $88,462 | $38,823 | $0 |
| 2040 | 54 | $88,462 | $88,462 | $38,436 | $0 |
| 2041 | 55 | $88,462 | $88,462 | $38,054 | $0 |
| 2042 | 56 | $88,462 | $88,462 | $37,678 | $0 |
| 2043 | 57 | $88,462 | $88,462 | $37,306 | $0 |
| 2044 | 58 | $88,462 | $88,462 | $36,939 | $0 |
| 2045 | 59 | $88,462 | $88,462 | $36,577 | $0 |
| 2046 | 60 | $88,462 | $88,462 | $36,215 | $0 |
| 2047 | 61 | $88,462 | $88,462 | $35,857 | $0 |
| 2048 | 62 | $88,462 | $88,462 | $35,503 | $0 |
| 2049 | 63 | $88,462 | $88,462 | $35,200 | $0 |
| 2050 | 64 | $88,462 | $88,462 | $35,065 | $0 |
| 2051 | 65 | $88,462 | $88,462 | $29,345 | $0 |
| 2052 | 66 | $88,462 | $88,462 | $(62,586) | $0 |
| 2053 | 67 | $88,462 | $88,462 | $(63,559) | $0 |
| 2054 | 68 | $88,462 | $88,462 | $(57,164) | $0 |
| 2055 | 69 | $88,462 | $88,462 | $(57,880) | $0 |
| 2056 | 70 | $88,462 | $88,462 | $(54,148) | $0 |
| 2057 | 71 | $88,462 | $88,462 | $(54,957) | $0 |
| 2058 | 72 | $88,462 | $88,462 | $(55,794) | $0 |
| 2059 | 73 | $88,462 | $88,462 | $(56,658) | $0 |
| 2060 | 74 | $88,462 | $88,462 | $(57,331) | $0 |
| 2061 | 75 | $88,462 | $88,462 | $(57,992) | $0 |
| 2062 | 76 | $88,462 | $88,462 | $(58,674) | $0 |
| 2063 | 77 | $88,462 | $88,462 | $(59,379) | $0 |
| 2064 | 78 | $88,462 | $88,462 | $(56,381) | $0 |
| 2065 | 79 | $88,462 | $88,462 | $(57,127) | $0 |
| 2066 | 80 | $88,462 | $88,462 | $(57,728) | $0 |
| 2067 | 81 | $88,462 | $88,462 | $(58,349) | $0 |
| 2068 | 82 | $88,462 | $88,462 | $(58,395) | $0 |
| 2069 | 83 | $88,462 | $88,462 | $(58,252) | $0 |
| 2070 | 84 | $88,462 | $88,462 | $(58,368) | $0 |
| 2071 | 85 | $88,462 | $88,462 | $(58,890) | $0 |
| 2072 | 86 | $88,462 | $88,462 | $(59,516) | $0 |
| 2073 | 87 | $88,462 | $88,462 | $(60,342) | $0 |
| 2074 | 88 | $88,462 | $88,462 | $(61,288) | $0 |
| 2075 | 89 | $88,462 | $88,462 | $(62,511) | $0 |
| 2076 | 90 | $88,462 | $88,462 | $(64,076) | $0 |
| Spouse B | ||||||
|---|---|---|---|---|---|---|
| Year | Age | Total Income | Total Spending | Taxes | Saving | Regular Assets |
| 2016 | 30 | $200,000 | $88,462 | $65,167 | $46,371 | $46,371 |
| 2017 | 31 | $200,900 | $88,462 | $66,298 | $46,140 | $92,512 |
| 2018 | 32 | $201,796 | $88,462 | $67,440 | $45,894 | $138,406 |
| 2019 | 33 | $202,687 | $88,462 | $68,564 | $45,662 | $184,068 |
| 2020 | 34 | $203,574 | $88,462 | $69,665 | $45,447 | $229,514 |
| 2021 | 35 | $204,457 | $88,462 | $70,761 | $45,234 | $274,748 |
| 2022 | 36 | $205,335 | $88,462 | $71,840 | $45,033 | $319,781 |
| 2023 | 37 | $206,209 | $88,462 | $72,903 | $44,845 | $364,626 |
| 2024 | 38 | $207,080 | $88,462 | $73,950 | $44,668 | $409,294 |
| 2025 | 39 | $207,947 | $88,462 | $74,988 | $44,497 | $453,791 |
| 2026 | 40 | $208,811 | $88,462 | $76,023 | $44,326 | $498,117 |
| 2027 | 41 | $209,672 | $88,462 | $77,260 | $43,950 | $542,067 |
| 2028 | 42 | $210,526 | $88,462 | $78,580 | $43,483 | $585,550 |
| 2029 | 43 | $211,370 | $88,462 | $79,883 | $43,024 | $628,575 |
| 2030 | 44 | $212,205 | $88,462 | $81,170 | $42,573 | $671,148 |
| 2031 | 45 | $213,032 | $88,462 | $82,440 | $42,130 | $713,278 |
| 2032 | 46 | $213,850 | $88,462 | $83,694 | $41,693 | $754,971 |
| 2033 | 47 | $214,660 | $88,462 | $84,933 | $41,264 | $796,235 |
| 2034 | 48 | $215,461 | $88,462 | $86,157 | $40,842 | $837,077 |
| 2035 | 49 | $216,254 | $88,462 | $87,366 | $40,426 | $877,503 |
| 2036 | 50 | $217,039 | $88,462 | $88,561 | $40,016 | $917,519 |
| 2037 | 51 | $217,816 | $88,462 | $89,741 | $39,612 | $957,131 |
| 2038 | 52 | $218,585 | $88,462 | $90,908 | $39,215 | $996,346 |
| 2039 | 53 | $219,347 | $88,462 | $92,062 | $38,823 | $1,035,168 |
| 2040 | 54 | $220,100 | $88,462 | $93,202 | $38,436 | $1,073,604 |
| 2041 | 55 | $220,847 | $88,462 | $94,330 | $38,054 | $1,111,659 |
| 2042 | 56 | $221,586 | $88,462 | $95,445 | $37,678 | $1,149,337 |
| 2043 | 57 | $222,317 | $88,462 | $96,549 | $37,306 | $1,186,643 |
| 2044 | 58 | $223,042 | $88,462 | $97,640 | $36,939 | $1,223,583 |
| 2045 | 59 | $223,759 | $88,462 | $98,720 | $36,577 | $1,260,160 |
| 2046 | 60 | $224,469 | $88,462 | $99,792 | $36,215 | $1,296,375 |
| 2047 | 61 | $225,172 | $88,462 | $100,853 | $35,857 | $1,332,232 |
| 2048 | 62 | $225,869 | $88,462 | $101,903 | $35,503 | $1,367,735 |
| 2049 | 63 | $226,558 | $88,462 | $102,895 | $35,200 | $1,402,935 |
| 2050 | 64 | $227,241 | $88,462 | $103,714 | $35,065 | $1,438,000 |
| 2051 | 65 | $227,922 | $94,106 | $104,471 | $29,345 | $1,467,346 |
| 2052 | 66 | $71,824 | $112,076 | $22,335 | $(62,586) | $1,404,760 |
| 2053 | 67 | $70,609 | $113,162 | $21,006 | $(63,559) | $1,341,201 |
| 2054 | 68 | $70,214 | $104,610 | $22,768 | $(57,164) | $1,284,036 |
| 2055 | 69 | $69,104 | $105,353 | $21,631 | $(57,880) | $1,226,157 |
| 2056 | 70 | $67,980 | $100,829 | $21,298 | $(54,148) | $1,172,009 |
| 2057 | 71 | $66,928 | $101,398 | $20,487 | $(54,957) | $1,117,052 |
| 2058 | 72 | $65,861 | $101,993 | $19,662 | $(55,794) | $1,061,258 |
| 2059 | 73 | $64,778 | $102,616 | $18,820 | $(56,658) | $1,004,600 |
| 2060 | 74 | $63,678 | $103,267 | $17,742 | $(57,331) | $947,269 |
| 2061 | 75 | $62,564 | $103,948 | $16,609 | $(57,992) | $889,277 |
| 2062 | 76 | $61,438 | $104,660 | $15,452 | $(58,674) | $830,603 |
| 2063 | 77 | $60,299 | $105,405 | $14,273 | $(59,379) | $771,224 |
| 2064 | 78 | $59,146 | $101,121 | $14,406 | $(56,381) | $714,843 |
| 2065 | 79 | $58,051 | $101,703 | $13,475 | $(57,127) | $657,715 |
| 2066 | 80 | $56,942 | $102,312 | $12,358 | $(57,728) | $599,987 |
| 2067 | 81 | $55,821 | $102,950 | $11,221 | $(58,349) | $541,638 |
| 2068 | 82 | $54,688 | $103,616 | $9,467 | $(58,395) | $483,243 |
| 2069 | 83 | $53,554 | $104,313 | $7,493 | $(58,252) | $424,992 |
| 2070 | 84 | $52,423 | $105,042 | $5,749 | $(58,368) | $366,623 |
| 2071 | 85 | $51,290 | $105,805 | $4,375 | $(58,890) | $307,733 |
| 2072 | 86 | $50,146 | $106,586 | $3,076 | $(59,516) | $248,217 |
| 2073 | 87 | $48,991 | $107,345 | $1,988 | $(60,342) | $187,874 |
| 2074 | 88 | $47,819 | $108,081 | $1,025 | $(61,288) | $126,587 |
| 2075 | 89 | $46,629 | $108,797 | $343 | $(62,511) | $64,076 |
| 2076 | 90 | $45,415 | $109,491 | $0 | $(64,076) | $0 |
| Spouse B | ||||||
|---|---|---|---|---|---|---|
| Year | Age | Non-Asset Income | Other Income | Retirement Withdrawals | Regular Assets Income | Total Income |
| 2016 | 30 | $200,000 | $0 | $0 | $0 | $200,000 |
| 2017 | 31 | $200,000 | $0 | $0 | $900 | $200,900 |
| 2018 | 32 | $200,000 | $0 | $0 | $1,796 | $201,796 |
| 2019 | 33 | $200,000 | $0 | $0 | $2,687 | $202,687 |
| 2020 | 34 | $200,000 | $0 | $0 | $3,574 | $203,574 |
| 2021 | 35 | $200,000 | $0 | $0 | $4,457 | $204,457 |
| 2022 | 36 | $200,000 | $0 | $0 | $5,335 | $205,335 |
| 2023 | 37 | $200,000 | $0 | $0 | $6,209 | $206,209 |
| 2024 | 38 | $200,000 | $0 | $0 | $7,080 | $207,080 |
| 2025 | 39 | $200,000 | $0 | $0 | $7,947 | $207,947 |
| 2026 | 40 | $200,000 | $0 | $0 | $8,811 | $208,811 |
| 2027 | 41 | $200,000 | $0 | $0 | $9,672 | $209,672 |
| 2028 | 42 | $200,000 | $0 | $0 | $10,526 | $210,526 |
| 2029 | 43 | $200,000 | $0 | $0 | $11,370 | $211,370 |
| 2030 | 44 | $200,000 | $0 | $0 | $12,205 | $212,205 |
| 2031 | 45 | $200,000 | $0 | $0 | $13,032 | $213,032 |
| 2032 | 46 | $200,000 | $0 | $0 | $13,850 | $213,850 |
| 2033 | 47 | $200,000 | $0 | $0 | $14,660 | $214,660 |
| 2034 | 48 | $200,000 | $0 | $0 | $15,461 | $215,461 |
| 2035 | 49 | $200,000 | $0 | $0 | $16,254 | $216,254 |
| 2036 | 50 | $200,000 | $0 | $0 | $17,039 | $217,039 |
| 2037 | 51 | $200,000 | $0 | $0 | $17,816 | $217,816 |
| 2038 | 52 | $200,000 | $0 | $0 | $18,585 | $218,585 |
| 2039 | 53 | $200,000 | $0 | $0 | $19,347 | $219,347 |
| 2040 | 54 | $200,000 | $0 | $0 | $20,100 | $220,100 |
| 2041 | 55 | $200,000 | $0 | $0 | $20,847 | $220,847 |
| 2042 | 56 | $200,000 | $0 | $0 | $21,586 | $221,586 |
| 2043 | 57 | $200,000 | $0 | $0 | $22,317 | $222,317 |
| 2044 | 58 | $200,000 | $0 | $0 | $23,042 | $223,042 |
| 2045 | 59 | $200,000 | $0 | $0 | $23,759 | $223,759 |
| 2046 | 60 | $200,000 | $0 | $0 | $24,469 | $224,469 |
| 2047 | 61 | $200,000 | $0 | $0 | $25,172 | $225,172 |
| 2048 | 62 | $200,000 | $0 | $0 | $25,869 | $225,869 |
| 2049 | 63 | $200,000 | $0 | $0 | $26,558 | $226,558 |
| 2050 | 64 | $200,000 | $0 | $0 | $27,241 | $227,241 |
| 2051 | 65 | $200,000 | $0 | $0 | $27,922 | $227,922 |
| 2052 | 66 | $43,332 | $0 | $0 | $28,492 | $71,824 |
| 2053 | 67 | $43,332 | $0 | $0 | $27,277 | $70,609 |
| 2054 | 68 | $44,171 | $0 | $0 | $26,043 | $70,214 |
| 2055 | 69 | $44,171 | $0 | $0 | $24,933 | $69,104 |
| 2056 | 70 | $44,171 | $0 | $0 | $23,809 | $67,980 |
| 2057 | 71 | $44,171 | $0 | $0 | $22,757 | $66,928 |
| 2058 | 72 | $44,171 | $0 | $0 | $21,690 | $65,861 |
| 2059 | 73 | $44,171 | $0 | $0 | $20,607 | $64,778 |
| 2060 | 74 | $44,171 | $0 | $0 | $19,507 | $63,678 |
| 2061 | 75 | $44,171 | $0 | $0 | $18,394 | $62,565 |
| 2062 | 76 | $44,171 | $0 | $0 | $17,268 | $61,439 |
| 2063 | 77 | $44,171 | $0 | $0 | $16,128 | $60,299 |
| 2064 | 78 | $44,171 | $0 | $0 | $14,975 | $59,146 |
| 2065 | 79 | $44,171 | $0 | $0 | $13,880 | $58,051 |
| 2066 | 80 | $44,171 | $0 | $0 | $12,771 | $56,942 |
| 2067 | 81 | $44,171 | $0 | $0 | $11,650 | $55,821 |
| 2068 | 82 | $44,171 | $0 | $0 | $10,517 | $54,688 |
| 2069 | 83 | $44,171 | $0 | $0 | $9,383 | $53,554 |
| 2070 | 84 | $44,171 | $0 | $0 | $8,252 | $52,423 |
| 2071 | 85 | $44,171 | $0 | $0 | $7,119 | $51,290 |
| 2072 | 86 | $44,171 | $0 | $0 | $5,975 | $50,146 |
| 2073 | 87 | $44,171 | $0 | $0 | $4,820 | $48,991 |
| 2074 | 88 | $44,171 | $0 | $0 | $3,648 | $47,819 |
| 2075 | 89 | $44,171 | $0 | $0 | $2,458 | $46,629 |
| 2076 | 90 | $44,171 | $0 | $0 | $1,244 | $45,415 |
| Spouse B | ||||
|---|---|---|---|---|
| Year | Age | Discretionary Spending | Non-Discretionary Spending | Total Spending |
| 2016 | 30 | $88,462 | $0 | $88,462 |
| 2017 | 31 | $88,462 | $0 | $88,462 |
| 2018 | 32 | $88,462 | $0 | $88,462 |
| 2019 | 33 | $88,462 | $0 | $88,462 |
| 2020 | 34 | $88,462 | $0 | $88,462 |
| 2021 | 35 | $88,462 | $0 | $88,462 |
| 2022 | 36 | $88,462 | $0 | $88,462 |
| 2023 | 37 | $88,462 | $0 | $88,462 |
| 2024 | 38 | $88,462 | $0 | $88,462 |
| 2025 | 39 | $88,462 | $0 | $88,462 |
| 2026 | 40 | $88,462 | $0 | $88,462 |
| 2027 | 41 | $88,462 | $0 | $88,462 |
| 2028 | 42 | $88,462 | $0 | $88,462 |
| 2029 | 43 | $88,462 | $0 | $88,462 |
| 2030 | 44 | $88,462 | $0 | $88,462 |
| 2031 | 45 | $88,462 | $0 | $88,462 |
| 2032 | 46 | $88,462 | $0 | $88,462 |
| 2033 | 47 | $88,462 | $0 | $88,462 |
| 2034 | 48 | $88,462 | $0 | $88,462 |
| 2035 | 49 | $88,462 | $0 | $88,462 |
| 2036 | 50 | $88,462 | $0 | $88,462 |
| 2037 | 51 | $88,462 | $0 | $88,462 |
| 2038 | 52 | $88,462 | $0 | $88,462 |
| 2039 | 53 | $88,462 | $0 | $88,462 |
| 2040 | 54 | $88,462 | $0 | $88,462 |
| 2041 | 55 | $88,462 | $0 | $88,462 |
| 2042 | 56 | $88,462 | $0 | $88,462 |
| 2043 | 57 | $88,462 | $0 | $88,462 |
| 2044 | 58 | $88,462 | $0 | $88,462 |
| 2045 | 59 | $88,462 | $0 | $88,462 |
| 2046 | 60 | $88,462 | $0 | $88,462 |
| 2047 | 61 | $88,462 | $0 | $88,462 |
| 2048 | 62 | $88,462 | $0 | $88,462 |
| 2049 | 63 | $88,462 | $0 | $88,462 |
| 2050 | 64 | $88,462 | $0 | $88,462 |
| 2051 | 65 | $88,462 | $5,644 | $94,106 |
| 2052 | 66 | $88,462 | $23,614 | $112,076 |
| 2053 | 67 | $88,462 | $24,700 | $113,162 |
| 2054 | 68 | $88,462 | $16,148 | $104,610 |
| 2055 | 69 | $88,462 | $16,890 | $105,352 |
| 2056 | 70 | $88,462 | $12,367 | $100,829 |
| 2057 | 71 | $88,462 | $12,936 | $101,398 |
| 2058 | 72 | $88,462 | $13,531 | $101,993 |
| 2059 | 73 | $88,462 | $14,153 | $102,615 |
| 2060 | 74 | $88,462 | $14,805 | $103,267 |
| 2061 | 75 | $88,462 | $15,486 | $103,948 |
| 2062 | 76 | $88,462 | $16,198 | $104,660 |
| 2063 | 77 | $88,462 | $16,943 | $105,405 |
| 2064 | 78 | $88,462 | $12,659 | $101,121 |
| 2065 | 79 | $88,462 | $13,241 | $101,703 |
| 2066 | 80 | $88,462 | $13,850 | $102,312 |
| 2067 | 81 | $88,462 | $14,487 | $102,949 |
| 2068 | 82 | $88,462 | $15,154 | $103,616 |
| 2069 | 83 | $88,462 | $15,851 | $104,313 |
| 2070 | 84 | $88,462 | $16,580 | $105,042 |
| 2071 | 85 | $88,462 | $17,343 | $105,805 |
| 2072 | 86 | $88,462 | $18,124 | $106,586 |
| 2073 | 87 | $88,462 | $18,883 | $107,345 |
| 2074 | 88 | $88,462 | $19,619 | $108,081 |
| 2075 | 89 | $88,462 | $20,334 | $108,796 |
| 2076 | 90 | $88,462 | $21,029 | $109,491 |
| Spouse B | |||||
|---|---|---|---|---|---|
| Year | Age | Labor Income | Pension Income | Social Security Benefits | Total Non-Asset Income |
| 2016 | 30 | $200,000 | $0 | $0 | $200,000 |
| 2017 | 31 | $200,000 | $0 | $0 | $200,000 |
| 2018 | 32 | $200,000 | $0 | $0 | $200,000 |
| 2019 | 33 | $200,000 | $0 | $0 | $200,000 |
| 2020 | 34 | $200,000 | $0 | $0 | $200,000 |
| 2021 | 35 | $200,000 | $0 | $0 | $200,000 |
| 2022 | 36 | $200,000 | $0 | $0 | $200,000 |
| 2023 | 37 | $200,000 | $0 | $0 | $200,000 |
| 2024 | 38 | $200,000 | $0 | $0 | $200,000 |
| 2025 | 39 | $200,000 | $0 | $0 | $200,000 |
| 2026 | 40 | $200,000 | $0 | $0 | $200,000 |
| 2027 | 41 | $200,000 | $0 | $0 | $200,000 |
| 2028 | 42 | $200,000 | $0 | $0 | $200,000 |
| 2029 | 43 | $200,000 | $0 | $0 | $200,000 |
| 2030 | 44 | $200,000 | $0 | $0 | $200,000 |
| 2031 | 45 | $200,000 | $0 | $0 | $200,000 |
| 2032 | 46 | $200,000 | $0 | $0 | $200,000 |
| 2033 | 47 | $200,000 | $0 | $0 | $200,000 |
| 2034 | 48 | $200,000 | $0 | $0 | $200,000 |
| 2035 | 49 | $200,000 | $0 | $0 | $200,000 |
| 2036 | 50 | $200,000 | $0 | $0 | $200,000 |
| 2037 | 51 | $200,000 | $0 | $0 | $200,000 |
| 2038 | 52 | $200,000 | $0 | $0 | $200,000 |
| 2039 | 53 | $200,000 | $0 | $0 | $200,000 |
| 2040 | 54 | $200,000 | $0 | $0 | $200,000 |
| 2041 | 55 | $200,000 | $0 | $0 | $200,000 |
| 2042 | 56 | $200,000 | $0 | $0 | $200,000 |
| 2043 | 57 | $200,000 | $0 | $0 | $200,000 |
| 2044 | 58 | $200,000 | $0 | $0 | $200,000 |
| 2045 | 59 | $200,000 | $0 | $0 | $200,000 |
| 2046 | 60 | $200,000 | $0 | $0 | $200,000 |
| 2047 | 61 | $200,000 | $0 | $0 | $200,000 |
| 2048 | 62 | $200,000 | $0 | $0 | $200,000 |
| 2049 | 63 | $200,000 | $0 | $0 | $200,000 |
| 2050 | 64 | $200,000 | $0 | $0 | $200,000 |
| 2051 | 65 | $200,000 | $0 | $0 | $200,000 |
| 2052 | 66 | $0 | $0 | $43,332 | $43,332 |
| 2053 | 67 | $0 | $0 | $43,332 | $43,332 |
| 2054 | 68 | $0 | $0 | $44,171 | $44,171 |
| 2055 | 69 | $0 | $0 | $44,171 | $44,171 |
| 2056 | 70 | $0 | $0 | $44,171 | $44,171 |
| 2057 | 71 | $0 | $0 | $44,171 | $44,171 |
| 2058 | 72 | $0 | $0 | $44,171 | $44,171 |
| 2059 | 73 | $0 | $0 | $44,171 | $44,171 |
| 2060 | 74 | $0 | $0 | $44,171 | $44,171 |
| 2061 | 75 | $0 | $0 | $44,171 | $44,171 |
| 2062 | 76 | $0 | $0 | $44,171 | $44,171 |
| 2063 | 77 | $0 | $0 | $44,171 | $44,171 |
| 2064 | 78 | $0 | $0 | $44,171 | $44,171 |
| 2065 | 79 | $0 | $0 | $44,171 | $44,171 |
| 2066 | 80 | $0 | $0 | $44,171 | $44,171 |
| 2067 | 81 | $0 | $0 | $44,171 | $44,171 |
| 2068 | 82 | $0 | $0 | $44,171 | $44,171 |
| 2069 | 83 | $0 | $0 | $44,171 | $44,171 |
| 2070 | 84 | $0 | $0 | $44,171 | $44,171 |
| 2071 | 85 | $0 | $0 | $44,171 | $44,171 |
| 2072 | 86 | $0 | $0 | $44,171 | $44,171 |
| 2073 | 87 | $0 | $0 | $44,171 | $44,171 |
| 2074 | 88 | $0 | $0 | $44,171 | $44,171 |
| 2075 | 89 | $0 | $0 | $44,171 | $44,171 |
| 2076 | 90 | $0 | $0 | $44,171 | $44,171 |
| Spouse B | |||||
|---|---|---|---|---|---|
| Year | Age | Federal Income Tax | State Income Tax | FICA Tax | Total Taxes |
| 2016 | 30 | $46,139 | $8,781 | $10,247 | $65,167 |
| 2017 | 31 | $46,857 | $8,885 | $10,556 | $66,298 |
| 2018 | 32 | $47,596 | $8,989 | $10,855 | $67,440 |
| 2019 | 33 | $48,331 | $9,092 | $11,141 | $68,564 |
| 2020 | 34 | $49,062 | $9,194 | $11,408 | $69,665 |
| 2021 | 35 | $49,790 | $9,297 | $11,674 | $70,761 |
| 2022 | 36 | $50,515 | $9,398 | $11,926 | $71,840 |
| 2023 | 37 | $51,236 | $9,500 | $12,167 | $72,903 |
| 2024 | 38 | $51,955 | $9,600 | $12,395 | $73,950 |
| 2025 | 39 | $52,670 | $9,701 | $12,617 | $74,988 |
| 2026 | 40 | $53,383 | $9,801 | $12,839 | $76,023 |
| 2027 | 41 | $54,298 | $9,900 | $13,061 | $77,260 |
| 2028 | 42 | $55,299 | $9,999 | $13,282 | $78,580 |
| 2029 | 43 | $56,284 | $10,097 | $13,503 | $79,883 |
| 2030 | 44 | $57,254 | $10,194 | $13,723 | $81,170 |
| 2031 | 45 | $58,209 | $10,289 | $13,942 | $82,440 |
| 2032 | 46 | $59,150 | $10,384 | $14,160 | $83,694 |
| 2033 | 47 | $60,077 | $10,478 | $14,378 | $84,933 |
| 2034 | 48 | $60,991 | $10,570 | $14,596 | $86,157 |
| 2035 | 49 | $61,891 | $10,662 | $14,813 | $87,366 |
| 2036 | 50 | $62,778 | $10,753 | $15,030 | $88,561 |
| 2037 | 51 | $63,652 | $10,843 | $15,246 | $89,741 |
| 2038 | 52 | $64,514 | $10,932 | $15,462 | $90,908 |
| 2039 | 53 | $65,363 | $11,020 | $15,678 | $92,062 |
| 2040 | 54 | $66,201 | $11,107 | $15,894 | $93,202 |
| 2041 | 55 | $67,027 | $11,194 | $16,110 | $94,330 |
| 2042 | 56 | $67,841 | $11,279 | $16,325 | $95,445 |
| 2043 | 57 | $68,644 | $11,364 | $16,541 | $96,549 |
| 2044 | 58 | $69,436 | $11,448 | $16,757 | $97,640 |
| 2045 | 59 | $70,217 | $11,531 | $16,972 | $98,720 |
| 2046 | 60 | $70,987 | $11,617 | $17,188 | $99,792 |
| 2047 | 61 | $71,747 | $11,702 | $17,404 | $100,853 |
| 2048 | 62 | $72,497 | $11,786 | $17,620 | $101,903 |
| 2049 | 63 | $73,193 | $11,866 | $17,837 | $102,895 |
| 2050 | 64 | $73,712 | $11,949 | $18,054 | $103,714 |
| 2051 | 65 | $74,228 | $11,972 | $18,271 | $104,471 |
| 2052 | 66 | $17,897 | $2,953 | $1,484 | $22,335 |
| 2053 | 67 | $16,809 | $2,752 | $1,445 | $21,006 |
| 2054 | 68 | $18,310 | $3,030 | $1,429 | $22,768 |
| 2055 | 69 | $17,378 | $2,857 | $1,396 | $21,631 |
| 2056 | 70 | $17,129 | $2,811 | $1,359 | $21,298 |
| 2057 | 71 | $16,472 | $2,689 | $1,327 | $20,487 |
| 2058 | 72 | $15,805 | $2,566 | $1,291 | $19,662 |
| 2059 | 73 | $15,128 | $2,440 | $1,252 | $18,820 |
| 2060 | 74 | $14,254 | $2,278 | $1,210 | $17,742 |
| 2061 | 75 | $13,336 | $2,108 | $1,164 | $16,609 |
| 2062 | 76 | $12,401 | $1,935 | $1,116 | $15,452 |
| 2063 | 77 | $11,449 | $1,759 | $1,065 | $14,273 |
| 2064 | 78 | $11,608 | $1,788 | $1,010 | $14,406 |
| 2065 | 79 | $10,865 | $1,651 | $960 | $13,475 |
| 2066 | 80 | $9,967 | $1,485 | $906 | $12,358 |
| 2067 | 81 | $9,055 | $1,316 | $850 | $11,221 |
| 2068 | 82 | $7,678 | $1,061 | $728 | $9,467 |
| 2069 | 83 | $6,136 | $775 | $582 | $7,493 |
| 2070 | 84 | $4,826 | $488 | $435 | $5,749 |
| 2071 | 85 | $3,889 | $199 | $287 | $4,375 |
| 2072 | 86 | $2,942 | $0 | $135 | $3,076 |
| 2073 | 87 | $1,988 | $0 | $0 | $1,988 |
| 2074 | 88 | $1,025 | $0 | $0 | $1,025 |
| 2075 | 89 | $343 | $0 | $0 | $343 |
| 2076 | 90 | $0 | $0 | $0 | $0 |
| Spouse B | |||||||
|---|---|---|---|---|---|---|---|
| Year | Age | Regular Assets | Reserve Fund | Life Insurance | Retirement Accounts | Home Equity | Net Estate |
| 2016 | 30 | $46,371 | $0 | $0 | $0 | $0 | $46,371 |
| 2017 | 31 | $92,512 | $0 | $0 | $0 | $0 | $92,512 |
| 2018 | 32 | $138,406 | $0 | $0 | $0 | $0 | $138,406 |
| 2019 | 33 | $184,068 | $0 | $0 | $0 | $0 | $184,068 |
| 2020 | 34 | $229,514 | $0 | $0 | $0 | $0 | $229,514 |
| 2021 | 35 | $274,748 | $0 | $0 | $0 | $0 | $274,748 |
| 2022 | 36 | $319,781 | $0 | $0 | $0 | $0 | $319,781 |
| 2023 | 37 | $364,626 | $0 | $0 | $0 | $0 | $364,626 |
| 2024 | 38 | $409,294 | $0 | $0 | $0 | $0 | $409,294 |
| 2025 | 39 | $453,791 | $0 | $0 | $0 | $0 | $453,791 |
| 2026 | 40 | $498,117 | $0 | $0 | $0 | $0 | $498,117 |
| 2027 | 41 | $542,067 | $0 | $0 | $0 | $0 | $542,067 |
| 2028 | 42 | $585,550 | $0 | $0 | $0 | $0 | $585,550 |
| 2029 | 43 | $628,575 | $0 | $0 | $0 | $0 | $628,575 |
| 2030 | 44 | $671,148 | $0 | $0 | $0 | $0 | $671,148 |
| 2031 | 45 | $713,278 | $0 | $0 | $0 | $0 | $713,278 |
| 2032 | 46 | $754,971 | $0 | $0 | $0 | $0 | $754,971 |
| 2033 | 47 | $796,235 | $0 | $0 | $0 | $0 | $796,235 |
| 2034 | 48 | $837,077 | $0 | $0 | $0 | $0 | $837,077 |
| 2035 | 49 | $877,503 | $0 | $0 | $0 | $0 | $877,503 |
| 2036 | 50 | $917,519 | $0 | $0 | $0 | $0 | $917,519 |
| 2037 | 51 | $957,131 | $0 | $0 | $0 | $0 | $957,131 |
| 2038 | 52 | $996,346 | $0 | $0 | $0 | $0 | $996,346 |
| 2039 | 53 | $1,035,168 | $0 | $0 | $0 | $0 | $1,035,168 |
| 2040 | 54 | $1,073,604 | $0 | $0 | $0 | $0 | $1,073,604 |
| 2041 | 55 | $1,111,659 | $0 | $0 | $0 | $0 | $1,111,659 |
| 2042 | 56 | $1,149,337 | $0 | $0 | $0 | $0 | $1,149,337 |
| 2043 | 57 | $1,186,643 | $0 | $0 | $0 | $0 | $1,186,643 |
| 2044 | 58 | $1,223,583 | $0 | $0 | $0 | $0 | $1,223,583 |
| 2045 | 59 | $1,260,160 | $0 | $0 | $0 | $0 | $1,260,160 |
| 2046 | 60 | $1,296,375 | $0 | $0 | $0 | $0 | $1,296,375 |
| 2047 | 61 | $1,332,232 | $0 | $0 | $0 | $0 | $1,332,232 |
| 2048 | 62 | $1,367,735 | $0 | $0 | $0 | $0 | $1,367,735 |
| 2049 | 63 | $1,402,935 | $0 | $0 | $0 | $0 | $1,402,935 |
| 2050 | 64 | $1,438,000 | $0 | $0 | $0 | $0 | $1,438,000 |
| 2051 | 65 | $1,467,346 | $0 | $0 | $0 | $0 | $1,467,346 |
| 2052 | 66 | $1,404,760 | $0 | $0 | $0 | $0 | $1,404,760 |
| 2053 | 67 | $1,341,201 | $0 | $0 | $0 | $0 | $1,341,201 |
| 2054 | 68 | $1,284,036 | $0 | $0 | $0 | $0 | $1,284,036 |
| 2055 | 69 | $1,226,157 | $0 | $0 | $0 | $0 | $1,226,157 |
| 2056 | 70 | $1,172,009 | $0 | $0 | $0 | $0 | $1,172,009 |
| 2057 | 71 | $1,117,052 | $0 | $0 | $0 | $0 | $1,117,052 |
| 2058 | 72 | $1,061,258 | $0 | $0 | $0 | $0 | $1,061,258 |
| 2059 | 73 | $1,004,600 | $0 | $0 | $0 | $0 | $1,004,600 |
| 2060 | 74 | $947,269 | $0 | $0 | $0 | $0 | $947,269 |
| 2061 | 75 | $889,277 | $0 | $0 | $0 | $0 | $889,277 |
| 2062 | 76 | $830,603 | $0 | $0 | $0 | $0 | $830,603 |
| 2063 | 77 | $771,224 | $0 | $0 | $0 | $0 | $771,224 |
| 2064 | 78 | $714,843 | $0 | $0 | $0 | $0 | $714,843 |
| 2065 | 79 | $657,715 | $0 | $0 | $0 | $0 | $657,715 |
| 2066 | 80 | $599,987 | $0 | $0 | $0 | $0 | $599,987 |
| 2067 | 81 | $541,638 | $0 | $0 | $0 | $0 | $541,638 |
| 2068 | 82 | $483,243 | $0 | $0 | $0 | $0 | $483,243 |
| 2069 | 83 | $424,992 | $0 | $0 | $0 | $0 | $424,992 |
| 2070 | 84 | $366,623 | $0 | $0 | $0 | $0 | $366,623 |
| 2071 | 85 | $307,733 | $0 | $0 | $0 | $0 | $307,733 |
| 2072 | 86 | $248,217 | $0 | $0 | $0 | $0 | $248,217 |
| 2073 | 87 | $187,874 | $0 | $0 | $0 | $0 | $187,874 |
| 2074 | 88 | $126,587 | $0 | $0 | $0 | $0 | $126,587 |
| 2075 | 89 | $64,076 | $0 | $0 | $0 | $0 | $64,076 |
| 2076 | 90 | $0 | $0 | $0 | $0 | $0 | $0 |
| Spouse B | ||||||||
|---|---|---|---|---|---|---|---|---|
| Year | Age | Retirement Benefits | Spousal Benefits | Survivor Benefits | Children's Benefits | Earnings Deduction for Parent | Earnings Deduction for Children | Net Benefit |
| 2016 | 30 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2017 | 31 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2018 | 32 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2019 | 33 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2020 | 34 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2021 | 35 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2022 | 36 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2023 | 37 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2024 | 38 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2025 | 39 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2026 | 40 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2027 | 41 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2028 | 42 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2029 | 43 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2030 | 44 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2031 | 45 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2032 | 46 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2033 | 47 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2034 | 48 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2035 | 49 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2036 | 50 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2037 | 51 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2038 | 52 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2039 | 53 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2040 | 54 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2041 | 55 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2042 | 56 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2043 | 57 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2044 | 58 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2045 | 59 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2046 | 60 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2047 | 61 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2048 | 62 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2049 | 63 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2050 | 64 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 2051 | 65 | $10,833 | $0 | $0 | $0 | $10,833 | $0 | $0 |
| 2052 | 66 | $43,332 | $0 | $0 | $0 | $0 | $0 | $43,332 |
| 2053 | 67 | $43,332 | $0 | $0 | $0 | $0 | $0 | $43,332 |
| 2054 | 68 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2055 | 69 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2056 | 70 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2057 | 71 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2058 | 72 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2059 | 73 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2060 | 74 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2061 | 75 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2062 | 76 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2063 | 77 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2064 | 78 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2065 | 79 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2066 | 80 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2067 | 81 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2068 | 82 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2069 | 83 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2070 | 84 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2071 | 85 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2072 | 86 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2073 | 87 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2074 | 88 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2075 | 89 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| 2076 | 90 | $44,171 | $0 | $0 | $0 | $0 | $0 | $44,171 |
| Spouse B | ||||||
|---|---|---|---|---|---|---|
| Year | Age | Regular Assets | Housing Equity | Reserve Fund | Retirement Accounts | Net Worth |
| 2016 | 30 | $46,371 | $0 | $0 | $0 | $46,371 |
| 2017 | 31 | $92,512 | $0 | $0 | $0 | $92,512 |
| 2018 | 32 | $138,406 | $0 | $0 | $0 | $138,406 |
| 2019 | 33 | $184,068 | $0 | $0 | $0 | $184,068 |
| 2020 | 34 | $229,514 | $0 | $0 | $0 | $229,514 |
| 2021 | 35 | $274,748 | $0 | $0 | $0 | $274,748 |
| 2022 | 36 | $319,781 | $0 | $0 | $0 | $319,781 |
| 2023 | 37 | $364,626 | $0 | $0 | $0 | $364,626 |
| 2024 | 38 | $409,294 | $0 | $0 | $0 | $409,294 |
| 2025 | 39 | $453,791 | $0 | $0 | $0 | $453,791 |
| 2026 | 40 | $498,117 | $0 | $0 | $0 | $498,117 |
| 2027 | 41 | $542,067 | $0 | $0 | $0 | $542,067 |
| 2028 | 42 | $585,550 | $0 | $0 | $0 | $585,550 |
| 2029 | 43 | $628,575 | $0 | $0 | $0 | $628,575 |
| 2030 | 44 | $671,148 | $0 | $0 | $0 | $671,148 |
| 2031 | 45 | $713,278 | $0 | $0 | $0 | $713,278 |
| 2032 | 46 | $754,971 | $0 | $0 | $0 | $754,971 |
| 2033 | 47 | $796,235 | $0 | $0 | $0 | $796,235 |
| 2034 | 48 | $837,077 | $0 | $0 | $0 | $837,077 |
| 2035 | 49 | $877,503 | $0 | $0 | $0 | $877,503 |
| 2036 | 50 | $917,519 | $0 | $0 | $0 | $917,519 |
| 2037 | 51 | $957,131 | $0 | $0 | $0 | $957,131 |
| 2038 | 52 | $996,346 | $0 | $0 | $0 | $996,346 |
| 2039 | 53 | $1,035,168 | $0 | $0 | $0 | $1,035,168 |
| 2040 | 54 | $1,073,604 | $0 | $0 | $0 | $1,073,604 |
| 2041 | 55 | $1,111,659 | $0 | $0 | $0 | $1,111,659 |
| 2042 | 56 | $1,149,337 | $0 | $0 | $0 | $1,149,337 |
| 2043 | 57 | $1,186,643 | $0 | $0 | $0 | $1,186,643 |
| 2044 | 58 | $1,223,583 | $0 | $0 | $0 | $1,223,583 |
| 2045 | 59 | $1,260,160 | $0 | $0 | $0 | $1,260,160 |
| 2046 | 60 | $1,296,375 | $0 | $0 | $0 | $1,296,375 |
| 2047 | 61 | $1,332,232 | $0 | $0 | $0 | $1,332,232 |
| 2048 | 62 | $1,367,735 | $0 | $0 | $0 | $1,367,735 |
| 2049 | 63 | $1,402,935 | $0 | $0 | $0 | $1,402,935 |
| 2050 | 64 | $1,438,000 | $0 | $0 | $0 | $1,438,000 |
| 2051 | 65 | $1,467,346 | $0 | $0 | $0 | $1,467,346 |
| 2052 | 66 | $1,404,760 | $0 | $0 | $0 | $1,404,760 |
| 2053 | 67 | $1,341,201 | $0 | $0 | $0 | $1,341,201 |
| 2054 | 68 | $1,284,036 | $0 | $0 | $0 | $1,284,036 |
| 2055 | 69 | $1,226,157 | $0 | $0 | $0 | $1,226,157 |
| 2056 | 70 | $1,172,009 | $0 | $0 | $0 | $1,172,009 |
| 2057 | 71 | $1,117,052 | $0 | $0 | $0 | $1,117,052 |
| 2058 | 72 | $1,061,258 | $0 | $0 | $0 | $1,061,258 |
| 2059 | 73 | $1,004,600 | $0 | $0 | $0 | $1,004,600 |
| 2060 | 74 | $947,269 | $0 | $0 | $0 | $947,269 |
| 2061 | 75 | $889,277 | $0 | $0 | $0 | $889,277 |
| 2062 | 76 | $830,603 | $0 | $0 | $0 | $830,603 |
| 2063 | 77 | $771,224 | $0 | $0 | $0 | $771,224 |
| 2064 | 78 | $714,843 | $0 | $0 | $0 | $714,843 |
| 2065 | 79 | $657,715 | $0 | $0 | $0 | $657,715 |
| 2066 | 80 | $599,987 | $0 | $0 | $0 | $599,987 |
| 2067 | 81 | $541,638 | $0 | $0 | $0 | $541,638 |
| 2068 | 82 | $483,243 | $0 | $0 | $0 | $483,243 |
| 2069 | 83 | $424,992 | $0 | $0 | $0 | $424,992 |
| 2070 | 84 | $366,623 | $0 | $0 | $0 | $366,623 |
| 2071 | 85 | $307,733 | $0 | $0 | $0 | $307,733 |
| 2072 | 86 | $248,217 | $0 | $0 | $0 | $248,217 |
| 2073 | 87 | $187,874 | $0 | $0 | $0 | $187,874 |
| 2074 | 88 | $126,587 | $0 | $0 | $0 | $126,587 |
| 2075 | 89 | $64,076 | $0 | $0 | $0 | $64,076 |
| 2076 | 90 | $0 | $0 | $0 | $0 | $0 |