A couple expecting twins weighs buying a larger home while absorbing double daycare costs
Priya & Marcus, both 33, Austin TX
exampleMarried, twins on the way · $245k/yr household income
They're expecting twins and deciding whether to buy a larger home before the babies arrive
Priya & Marcus are expecting twins and deciding whether to buy a larger home before the babies arrive The real question: With twins arriving soon, can we afford to upsize our home without derailing retirement?
There’s a gap to close$3.5M
Projected net worth at retirement (2057)
Retirement year
2057
Safe withdrawal / yr
$140k
Spending need / yr
$121k
First shortfall
2062
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.
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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.