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A couple juggling student loan payoff, a wedding, and a first home purchase all within a few years

Priya & Jordan, 28 & 29, Austin TX

example

Engaged, 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)

Projected net worth
Today: $64k-$6.2M projected

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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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.