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A couple expecting twins weighs buying a larger home while absorbing double daycare costs

Priya & Marcus, both 33, Austin TX

example

Married, 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)

Projected net worth
Today: $170k$1.7M projected

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.

Your situation is more like this than a rule of thumb

Model your real household — kids, a home, a big expense — free in under a minute.

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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.