THE PRESENT VALUE

How do you value today without stranding tomorrow?

Tools for people who already save, and still want the years to count.

Opposed to Whom

See where you sit versus published US income and net-worth averages for your age band — you are here.

Let the savings rate follow capacity instead of a flat forever rate, and still aim near the same finish.

Put unemployment, bills, gifts, and dry stretches on the path and compare it to the smooth version without them.

Replay the same past years under another mix beside a plain 60/40 — a historical rhyme, not a forecast.

Hold both clocks: compounding that waits, and a year at 30 that is thicker than a year at 70.

Move a year of life forward and see what remains of the no-leave pile — compounding is the invoice.

Change what you contribute monthly and watch a teaching paycheck from the ending pile (4% / 12).

Treat 4% as a starting slogan, not fate — set the draw rate to choose your spend, and let the rest keep working.

A 1% Bitcoin slice can cost a little, or add anywhere from a little to a lot. See both edges at your numbers.