A high-earning couple in San Francisco deciding whether to buy a $1.4M condo or keep renting
Maya (34) & Chris (36), San Francisco CA
exampleMarried, no kids yet, considering starting a family in two years · $310k/yr household income
They're renting a two-bedroom in the Mission District and debating whether to buy a $1.4M condo or keep renting and investing
Maya & Chris are renting a two-bedroom in the Mission District and debating whether to buy a $1.4M condo or keep renting and investing The real question: Should Maya and Chris buy a $1.4M condo in San Francisco now, or keep renting at $4,800/month and invest the difference?
There’s a gap to close$7.3M
Projected net worth at retirement (2054)
Retirement year
2054
Safe withdrawal / yr
$293k
Spending need / yr
$135k
First shortfall
2054
Modeled year by year, the plan runs short before the finish line. That doesn’t mean the goal is off the table. It means one or two levers (savings rate, timing, or the size of the purchase) need to move, and seeing exactly where and when is the value.
Your situation is more like this than a rule of thumb
Model your real household — kids, a home, a big expense — free in under a minute.
Get my verdict →An illustrative example household. The numbers are modeled by Rightmont’s engine from these inputs; your real answer depends on your full picture. Educational only, not financial advice.