Retirement on the Books — Every Year, Traceable
A sample plan's full retirement, laid out year by year on the Ledger — balances, taxes, and healthcare, every year traceable.
Numbers shown are from a sample plan, for illustration only — not financial advice.
What you'll see
This demo opens on a single number — a 98% chance-of-success gauge for a sample plan — then immediately asks the harder question underneath it: what happens at 62, at 65, at 73? The camera pulls back to reveal the full Ledger: every remaining year of the plan, on the books, with balances, income, Social Security, withdrawals, Roth conversions, healthcare costs, and taxes laid out year by year.
Three moments get called out directly on the timeline: 2031, when wages stop and the ACA healthcare bridge begins; 2034, when Medicare replaces ACA coverage at 65; and 2042, when the first required minimum distribution hits at age 73. Each of these is a year where the underlying math changes — and in the Ledger, that change is visible as a real row with real numbers, not folded into a single lifetime average.
The point isn't the percentage at the top. It's that a 98% chance of success is made up of dozens of individual years, each with its own income sources, its own tax bill, and its own healthcare cost — and every one of those years, and every number in it, stays inspectable.
Chapters
- 0:00Your retirement is not one number — the gauge gives way to the full Ledger.
- 0:122031 — wages stop, the ACA bridge begins.
- 0:152034 — Medicare replaces ACA at 65.
- 0:192042 — first required distribution, age 73.
- 0:21See the books behind your retirement.
Why it matters
- Turns a single chance-of-success percentage into the specific years that make it up.
- Calls out the transitions that matter most — retirement, the Medicare switch, and the first required distribution.
- Every balance, withdrawal, and tax figure in the Ledger is traceable, the same tracing shown in the “Trace this number” demo.
- Gives you a full year-by-year plan to inspect, not just a lifetime summary number.
FAQ
What is the Ledger, exactly?
A year-by-year table of every number behind a retirement plan — balances, income, Social Security, withdrawals, conversions, healthcare, and taxes — for every remaining year, not just a lifetime summary.
Why show a single percentage first, then the whole Ledger?
A chance-of-success percentage is useful as a headline, but it's an average across many simulated paths. The Ledger shows the specific years — like when wages stop, when Medicare replaces ACA, and when required distributions begin — that actually make up that number.
Can I click into any year to see how it was calculated?
Yes — every cell on the Ledger traces back to its cause and forward to its effects, the same tracing shown in the “Trace this number” demo.