Dad's 6-Year Financial Projection

Three phases: P1 = now (high-pace Uber), P2 = scaled-back through m24, P3 = post-Uber retirement (m25+). Every slider drives every chart and table below. 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

Initial pace:

60 hrs/wk

Phase 1 vehicle

Phase 2 · Months 13–24 · Scaled-back working

Lower Uber pace heading into retirement

Phase 2 transition

Phase 2 starts after month:

month 12

Phase 2 Uber pace:

30 hrs/wk

Set transition month to 0 to skip Phase 2 (Phase 1 runs all 24 months).

Phase 2 vehicle

Often the same as Phase 1, but pick differently if Dad switches cars when scaling back.

Phase 3 · Months 25–72 · Post-Uber retirement

Light Uber, optional car business, lifestyle bumps, health step-down

Phase 3 income sources

Light Uber (hrs/MONTH):

30 hrs/mo

Per month, not week. At 30 hrs/mo × $25/hr = $750. Set to 0 for full retirement.

Direct car business net:

$0/mo

Phase 3 only. Dad rents his car to another driver, takes a cut. Modest setup: $500–$1,200/mo net.

Phase 3 lifestyle

Golf (m25+):

$500/mo

Eating out (m25+):

$400/mo

Discretionary (m25+):

$300/mo

Phase 1 + 2 hold these at $250 / $200 / $150. Phase 3 = the values above.

Phase 3 vehicle

Tesla NEW (0% APR / 72 mo) is the cheapest owned option once Grandma's car is gone. Avis ($1,525 fixed) makes no sense at retirement mileage.

Long-term levers · Rare events that move the model

Health step, lease renewal, Opportunity Fund

Health insurance step

$600 drops to $300 at month:

month 31

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

Upstairs lease renewal

Rent at m37 (3-yr 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)

Trigger when House >:

$200,000

Seed amount:

$50,000

After trigger, House split:

50% to Opp

When House crosses the threshold: seed transfers House → Opp once, then residual splits per the % above for the rest of the projection.

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-updates as you drag any slider above.

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 a typical month inside it. Compare across phases to see how the picture shifts.

↓ Money in

↑ Money out (living expenses)

Phase 3 typical month (sampled at m48): Money in $0 − Money out $0 = $0 flows into the savings buckets below.

The 6 savings buckets — monthly deposits by phase + month-72 balance

The three dynamic buckets (House, Vehicle Replacement, Opportunity) show contributions for each phase side-by-side, so you can see how they shift as Dad scales back and retires. The three fixed buckets (Personal LT, Trip, M&I) take the same dollar amount every month (M&I grows ~2.5%/yr with house bills) — they're shown as a single value.

🏠 House Fund dynamic

P1$0/mo

P2$0/mo

P3$0/mo

~$0
at month 72

💵 Personal Long-term fixed

$1,500/mo

same every month, all three phases

~$0
at month 72

🔧 Maintenance & Improvements fixed (+2.5%/yr)

$809 → $0/mo

grows 2.5%/yr (m1 → m72)

~$0
at month 72

✈️ Trip / Travel Fund fixed

$750/mo

same every month, all three phases

~$0
at month 72

🚗 Vehicle Replacement Fund dynamic

P1$0/mo

P2$0/mo

P3$0/mo

~$0
at month 72

💼 Opportunity Fund dynamic · IPO / side plays

P1$0/mo

P2$0/mo

P3$0/mo

~$0
at month 72

Each phase value is the contribution at a representative month inside that phase (P1 mid, P2 mid, P3 m48). If Phase 2 is skipped (transition month = 0 or 24), P2 reads "—". For the Opportunity Fund, any phase that's before the trigger reads "$0"; once the trigger fires inside a phase, that phase reads the post-trigger split contribution. The $50K seed transfer at trigger isn't a monthly contribution — it's reflected in the m72 balance.

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

Vertical markers update with your sliders: Phase 2 boundary (if scale-back active), m24 (Phase 3 begins), health step (current slider value), m37 (lease renewal), m60, plus 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

Real income = rent + pension + Uber + car biz + interest on accumulated savings. Every $100K of balance throws off ~$333/mo at 4% APR. As buckets grow, interest grows with them — slow, safe income that doesn't depend on driving or markets.

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.
Vehicles: each of the three phases has its own pick (Grandma's car / Avis / Tesla NEW / Tesla USED). Phase 1 + 2 use weekly Uber hours × 4.33 × 30 mph for miles; Phase 3 uses MONTHLY hours × 30 mph. Total monthly vehicle cost = fixed monthly (loan + insurance + reg) + miles × per-mile rate for that vehicle.
Tesla loans: NEW = 72 months @ 0% APR, USED = 60 months @ 7% APR. A loan starts the first month its Tesla type becomes the active vehicle. If Dad sells (switches to a different vehicle) and later rebuys the same Tesla type in Phase 3 with a gap in between, that's tracked as a new loan starting in Phase 3. After a loan ends, the monthly fixed cost drops to $375 (insurance + registration only).

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 Fund: auto-scales with miles whenever a Tesla is the active vehicle in any phase ($34,000 ÷ 200,000 mi, floor $300/mo). $0 when the active vehicle is Grandma's car or Avis.
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).