bank deposit / mo
-
2 checks, post-tax, post-401k
cash saved / mo
-
after rent + life + roth + stock invest
total wealth built / mo
-
cash + 401k + match + roth + stock invest − spending
projected nw
-
-
→$1m·--
→$5m·--
hit
by age
→-
/ mo bank deposit needed
the dials
monthly cash → public stocks (espp, brokerage, etc.)
project forward
8 mo
applied to all investments: 401k, roth, public stocks, vested rsu
hysa, savings account, money market
private stock · rsu grants
net worth projectionmay '26 → dec '26
composition at endpointdec '26
where the money flows
per paycheck (biweekly)
monthly picture (2 checks avg)
freedom tiers@ $4,000 / mo burn
targets scale with your rent + life spend above. liquid = cash you can actually touch. invested = 401k + roth + public (grows at market rate). net worth = everything including car + rsu.