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
60 hrs/wk
Phase 1 vehicle
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 (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
30 hrs/mo
Per month, not week. At 30 hrs/mo × $25/hr = $750. Set to 0 for full retirement.
$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
$500/mo
$400/mo
$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
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)
$100,000
$20,000
30% to Opp
When House crosses the threshold: seed transfers House → Opp once, then residual splits per the % above for the rest of the projection.
Bucket drawdowns · What if Dad spends some of it — click to expand ▾
Stress-test: subtract spending from each bucket (default collapsed)
All drawdowns default to $0 — turn them on individually to see what happens if Dad actually spends from each bucket. The buckets accumulate via deposits and 4% interest; these sliders subtract spending each month. Opportunity Fund has no drawdown slider since it's meant to keep growing. House Fund drawdown isn't here either — it only matters past m72 (year 6+), which is outside this 6-year tool's window.
🔧 M&I drawdown — ongoing house maintenance
$0/mo
Applies all phases. M&I builds at $809/mo +2.5%/yr; this subtracts whatever Dad actually spends. $0 = nothing pulled.
Two parts: a one-time lump sum (e.g. the Australia trip) and an ongoing monthly drawdown for regular travel. Both default $0 so the baseline doesn't shift.
One-time lump sum (Australia trip)
month 18
$0
Default trip month = m18 (1.5 years from now). Bump amount up to $8K–$15K to model the Australia trip.
Ongoing monthly travel (after the first trip)
month 24
$0/mo
Trip Fund continues building at $750/mo; this subtracts ongoing travel spending starting from the chosen month.
💵 Personal Long-term drawdown — discretionary, retirement only
$0/mo
Starts at m25. Hopefully not needed — but available if other income falls short.
🚗 VRF per vehicle event — depreciation gap at each new car
$0
Drawn from VRF whenever the active vehicle changes (P1→P2 swap or P2→P3 swap). Original VRF design: cover the gap between what an Uber-driven Tesla is worth at sale vs. what's still owed. If VRF can't cover it, the remainder comes from House Fund. Set to ~$15,000 to model significant Uber-era depreciation.
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.
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 FundPersonal Long-termM&ITrip / TravelVehicle ReplacementOpportunity 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)PensionUberCar business (P3)Interest on balances
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).