Plan
Your personal financial roadmap — commitments, recommendations, and actions.
0%
Plan health
No upcoming deadlines
Reign has identified $481/yr you could capture
Commitments
Primary goal
Retire early
Target retirement age
55
Monthly savings target
$975/mo
Debt strategy
Avalanche (highest rate first)
Risk tolerance
Moderate
Recommendations (3)
Foundation
Grow your emergency fund to 6 months
MediumYour $27,350 covers 3.1 months. Target: $53,199 ($25,849 away).
Debt
Pay off high-interest credit card debt
Urgent~$481/year in interest$2,100 on 1 card at up to 23% APR — costing roughly $40/mo in interest.
Optimization
Close your FI Age gap
HighTarget Retirement Age: 55. FI Age: 64. Increasing monthly savings or reducing spending closes this gap.
Actions(3 open)
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.
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.
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.