NOT YET
Keep stacking — not quite yet.
Top driver: Insufficient cash buffer
Salary is 12% of net worth (target ≤ 10%).
Portfolio + side covers 133.3% of spending.
Cash buffer: $60,000 (6 months target).
Next step: Hold about $30,000 more in cash for a 6-month buffer.
Definitely not financial advice.
Assumptions
- Rule B: after-tax salary ≤ 10% of liquid net worth.
- Rule C: after-tax portfolio return + side income ≥ annual spending.
- Cash buffer: at least 6 months of spending in cash.
- Simple tax model using effective rates you can edit above.
Return sensitivity (8–12%)
Doesn’t change your main verdict8%
NOT YET
Coverage: 106.7%
9%
NOT YET
Coverage: 120%
10%
NOT YET
Coverage: 133.3%
11%
NOT YET
Coverage: 146.7%
12%
NOT YET
Coverage: 160%