A couple paying private K-12 tuition for two kids while trying to retire in their early 60s
Maya & Chris, 42 & 44, Denver CO
exampleMarried, two kids in private school · $295k/yr household income
They're paying private K-12 tuition for two kids while maxing retirement accounts and targeting early-60s retirement
Maya & Chris are paying private K-12 tuition for two kids while maxing retirement accounts and targeting early-60s retirement The real question: Can they keep both kids in private school through 12th grade and still retire on schedule?
There’s a gap to close$5.4M
Projected net worth at retirement (2047)
Retirement year
2047
Safe withdrawal / yr
$165k
Spending need / yr
$109k
First shortfall
2047
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
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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.