A couple juggling student loan payoff, a wedding, and a first home purchase all within a few years
Priya & Jordan, 28 & 29, Austin TX
exampleEngaged, no kids yet, planning to start a family after the wedding · $177k/yr household income
They're paying down Priya's grad school loans while saving for a wedding next year and a first home purchase within three years
Priya & Jordan are paying down Priya's grad school loans while saving for a wedding next year and a first home purchase within three years The real question: Should they pay off student loans first, save for the wedding, or prioritize the house down payment -- and in what order does the sequence actually matter?
There’s a gap to close-$2.4M
Projected net worth at retirement (2062)
Retirement year
2062
Safe withdrawal / yr
$0
Spending need / yr
$108k
First shortfall
2028
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.