A San Francisco couple earning $340k combined decides whether to buy a $1.2M condo or keep renting
Maya (34) & Chris (36), San Francisco CA
exampleMarried, no kids yet, considering starting a family in two years · $340k/yr household income
They're debating whether to buy a $1.2M condo or keep renting and invest the down payment
Maya & Chris are debating whether to buy a $1.2M condo or keep renting and invest the down payment The real question: Should Maya and Chris buy a $1.2M condo in San Francisco, or keep renting at $4,200/month and invest the difference?
There’s a gap to close$7.3M
Projected net worth at retirement (2057)
Retirement year
2057
Safe withdrawal / yr
$168k
Spending need / yr
$146k
First shortfall
2057
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.