Step 1 of 5
Choose a career path
Northern California approximate gross pay. Pick Entry, Mid, or Experienced. Then edit anything.
$
Step 2 of 5
Save and invest
The gap between earn and spend is where options get built.
You are setting aside $0 per month.
$
$
Long-run stock averages are often cited near 7–10% before inflation. Not a promise. Be conservative.
Step 3 of 5
Protect against inflation
M2 is cash, checking, and savings in the U.S. economy. M3 is a broader money idea.
If money grows faster than goods for many years, each dollar often buys less. Default 6.5% is a teaching stand-in for long-term M2 growth — not a forecast.
Step 4 of 5
Goals that matter
Emergency fund first. Then skill or business capital. Then bigger dreams. Independence age is when work becomes optional.
$
We multiply by 25 (simple 4% classroom rule).
$
$
$
Step 5 of 5
Your projected path
Growth over time
Navy = face value. Orange = what it buys in today’s dollars.