Dad's 6-Year Financial Projection

Three phases. Phase 1 = now (current high-pace Uber for the next handful of months). Phase 2 = scaled-back working through month 24. Phase 3 = post-Uber starting month 25 (very little driving, optionally a direct car-business income stream). Every slider drives the entire projection — nothing is hard-coded. Companion to the 2-year decision tool.
Phase 1 · Months 1 to 12 · Now (current high-pace Uber)
Initial pace + vehicle, before scaling back

Phase 1 Uber pace

60 hrs/wk

Phase 1 vehicle

Vehicle stays the same through Phase 1 + Phase 2. In Phase 3 Dad reverts to Grandma's car at low retirement mileage — no loan, no replacement reserve.
Phase 2 · Months 13–24 · Scaled-back working
Lower Uber pace heading into retirement

Phase 2 transition

month 12
30 hrs/wk
Set transition month to 0 to skip Phase 2 entirely (Phase 1 runs the full m1–24). Otherwise Phase 1 runs through that month, then Phase 2 takes over at the lower pace until m24.
Phase 3 · Months 25–72 · Post-Uber retirement
Light Uber, optional car business, lifestyle bumps, health step-down

Phase 3 income sources

30 hrs/mo
Per month, not week — Dad picks up a couple shifts here and there. At 30 hrs/mo and $25/hr that's $750/mo from Uber. Set to 0 if Dad fully retires from driving.
$0/mo
Optional Phase-3-only income line for a "direct car business" arrangement (e.g., Dad owns the car and rents it weekly to another driver, taking a margin without driving himself). Default $0 = not running. A modest setup might be $500–$1,200/mo net depending on volume.

Phase 3 lifestyle

$500/mo
$400/mo
$300/mo
Phase 1 + 2 hold these at $250 / $200 / $150 respectively. Phase 3 bumps them to the values above (Dad enjoying retirement).
Long-term levers · Rare events that move the model
Health step, lease renewal, Opportunity Fund

Health insurance step

month 31
Default month 31: ~6-month bridge insurance after Uber phase, then ACA/Medicare-style step. Drag to retest.

Upstairs lease renewal

$11,500/mo
Per Josh: lease renews at $11,500 for years 4–6. Next renewal isn't until month 73 (outside the projection window).

Opportunity Fund (for IPO / bank flips / side plays)

$200,000
$50,000
50% to Opp
Two-step model. Step 1: the first month the House Fund crosses the threshold, take the seed amount out of House and drop it into the Opportunity Fund. Step 2: from that month on, what would have gone entirely to House is split — % above goes to Opportunity, the rest stays House.
Combined wealth @ m24
—
End of working years
Combined wealth @ m72
—
End of 6-year projection
Opportunity Fund @ m72
—
triggered at month —
Interest income @ m72
—
"passive" — what balances earn

What this scenario actually looks like — in plain English

Auto-generated narrative based on every slider above. Adjusts in real time as you drag.
Two years from now (Month 24)
—
Six years from now (Month 72)
—

Money in / money out — typical month, by phase

Pick a phase to see what a "typical month" looks like inside it. Same income / expense / savings structure as the 2-year tool, but here you can compare across the three phases and see how the picture shifts as Dad scales back working and then retires.

↓ Money in

↑ Money out (living expenses)

Phase 3 typical month: Money in $0 − Money out $0 = $0 available to flow into the savings buckets below.

The 6 savings buckets — where the leftover goes (and what it builds to by month 72)

🏠 House Fund
$0/mo
~$0
at month 72
💵 Personal Long-term
$1,500/mo
~$0
at month 72
🔧 Maintenance & Improvements
$809/mo
~$0
at month 72
✈️ Trip / Travel Fund
$750/mo
~$0
at month 72
🚗 Vehicle Replacement Fund (VRF)
$0/mo
~$0
at month 72
💼 Opportunity Fund (IPO / side plays)
$0/mo
~$0
at month 72
Bucket monthly contribution shows the typical Phase 3 monthly deposit. House Fund's monthly deposit is the residual after all other buckets — it varies a bit month-to-month as expenses inflate. The Opportunity Fund only receives deposits after it's been triggered.

Total wealth trajectory (all 6 buckets summed, 72 months)

Vertical markers: m24 (Phase 2 begins), m31 (health step, default), m37 (lease renewal), m60 (Year 5), Opp trigger if it fires.

All buckets, month-by-month

House Fund Personal Long-term M&I Trip / Travel Vehicle Replacement Opportunity Fund

Milestone snapshots

Month House Personal M&I Trip VRF Opportunity Total
—

Monthly income picture — including interest from accumulated balances

Dad's "real" monthly income is rent + pension + light Uber + the interest his savings throw off each month. At 4% APR compounded monthly, every $100K of accumulated balance generates roughly $333/mo just sitting in FDLXX / T-bills. As the buckets grow, interest income grows with them — this is the slow, safe income line that doesn't depend on driving Uber or stock-market swings.
Rent (down + up) Pension Uber Car business (P3) Interest on balances
Month Rent Pension Uber Car biz Interest Total /mo
—
How is this calculated?
Income (all three phases):
  • Pension $2,900/mo flat (no COLA).
  • Downstairs rent $3,400/mo base, grows 2%/yr smoothly.
  • Upstairs rent $11,000/mo m1–36, $11,500/mo m37–72 (3-year renewal cycle).
  • Phase 1 + 2 Uber: hours/wk × 4.33 × $25/hr (Phase 1 = initial pace, Phase 2 = scaled-back pace after the transition month).
  • Phase 3 Uber: hours/MONTH × $25/hr.
  • Phase 3 only: optional Direct Car Business flat $/mo net income (Dad rents the car to another driver, takes margin without driving).
Expenses:
  • Mortgage $5,250/mo (no payoff inside 72 months — actual loan is ~20+ years).
  • House bills $1,810/mo base, grows 2.5%/yr. M&I reserve $809.17/mo same growth.
  • Florida rent $2,600, groceries/utilities $1,250, both grow 2.5%/yr.
  • Health: $600/mo Phase 1 + 2, steps to $300/mo at the configurable month (default 31, inside Phase 3).
  • Phase 1 + 2 lifestyle: golf $250, eating $200, discretionary $150. Phase 3 lifestyle: configurable, defaults $500 / $400 / $300.
  • Vehicle Phase 1 + 2: per the chosen preset (Avis default). Vehicle Phase 3: Grandma's car at low mileage (Phase 3 hrs/mo × 30 mph × $0.184/mi). No loan, no VRF in Phase 3.
Bucket allocations (continuous through both phases):
  • M&I: $809.17/mo, grows 2.5%/yr.
  • Personal Long-term: $1,500/mo, flat throughout.
  • Trip / Travel: $750/mo, flat — becomes general travel fund after Australia.
  • Vehicle Replacement: auto-scales with miles when a Tesla preset is active in Phase 1; $0 in Phase 2.
  • House Fund: everything left over after the above.
  • Opportunity Fund: $0 until House crosses the trigger threshold. At that month, seed transfers from House → Opp, and the residual splits per the slider.
Interest: 4% APR, compounded monthly on every bucket balance.
Phase 1 math: identical to the 2-year chart at dad-uber-scenarios.pages.dev, so the m24 column here matches that tool's "TRUE net wealth" (minus vehicle loan / asset adjustment, which is dropped at m25 here).