Two toddlers in daycare, a third on the way, and a $575k house on $185k
Mia & Ray Rivera, 34 and 33, in Denver, CO
exampleMarried, two toddlers, a third on the way · $185k/yr household income
They're paying for two daycare spots, expecting a third child, and hoping to buy their first home in two years without wrecking the plan.
The Riveras are paying for two daycare spots, expecting a third child, and hoping to buy their first home in two years without wrecking the plan. The real question: Can they buy the house without derailing retirement, with three kids and daycare in the mix?
There’s a gap to close-$1.8M
Projected net worth at retirement (2052)
Retirement year
2052
Safe withdrawal / yr
$0
Spending need / yr
$101k
First shortfall
2029
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.
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.