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Your Outlook

Generated October 8, 2026 · Powered by connected accounts

Two incomes, real progress — with one costly lever to pull

46 · Concerning

Savings rate is 10.7% ($1,440/mo of $13,450/mo income) 1.6 months of liquid runway ($27,350 against $17,280/mo needs) Credit card balance of $2,100 is within one month's income — consistent with paying in full, not revolving debt Monthly debt payments ($2,890) are 21.5% of income Projected to reach FI at age 74, 19 years behind the age 55 goal

Financial picture

Next actions

1

Automate a 1%/year 401(k) escalation

Both incomes are already capturing an employer match, but bumping each contribution 1% a year (starting at your next raises) closes a meaningful chunk of your gap to your target retirement age without changing take-home pay today.

Quick win
2

Check refinance or recast options on the mortgage

Your 8% rate is well above current averages for well-qualified borrowers — even a modest rate reduction meaningfully lowers your monthly housing cost and speeds up payoff.

Refine your picture
3

Grow your cash cushion toward 6 months of expenses

Your savings account currently covers a bit over a month of household spending. Directing part of your monthly surplus there first, before extra debt paydown, gives your family room to handle a surprise expense without touching investments.

Strategic

Insights

A mortgage rate well above current market averages is a persistent drag on your monthly surplus.

Your cash cushion would only cover about a month of expenses if either income stopped unexpectedly.

You are already capturing your full employer 401(k) match on both incomes — a strong foundation to build on.

Meaningful home equity gives you options (HELOC, downsizing, recasting) that pure renters do not have.

This is a read-only demo pre-loaded with sample data — a mix of manually entered items and simulated connected accounts.