A long view of money for Avery & QuinnMay 29, 2026 · Renton, WAUpdated monthly with DCA
Net Worth
$584,018
Personal · excludes waSound business
Invested
$240,000
+ $54,300 unrealized gain
Income at 65 (capacity)
$12,914/mo
0.99× target spend · $-1K cushion
Years to Retirement
26 · 25
Avery age 65 · Quinn age 62
§IWhere we stand
The Net Worth Pyramid · May 29, 2026
Assets & Liabilities
Invested PortfolioRetirement + brokerage
$240,000
House ValueCedar Park · est.
$675,000
MortgageRocket · payoff 2052
−$320,000
Dad LoanSubaru car loan
−$10,982
Net Worth
$584,018
Top 10 Holdings · by Market Value
01VTSAXVanguard Total Stock Market Index$78,400
02VFIFXVanguard Target Retirement 2055$52,900
03VTWAXVanguard Total World Stock Index$41,200
04VTIAXVanguard Total International Stock$24,600
05SCHDSchwab US Dividend Equity ETF$14,300
06QQQMInvesco Nasdaq 100 ETF$12,100
07VBTLXVanguard Total Bond Market Index$9,800
08IBITiShares Bitcoin Trust$6,700
··other-2 smaller positions$0
§IIThe climb
Portfolio Market Value · Q1 2023 → May 2026
Market valueCost basis (what we put in)
Since 2023: $91,200 climb · 61.3% total return
§IIIThe income capacity
Go-go · slow-go · no-go — spending tapers as you settle, capacity grows as you age
Three-phase retirement spending
Avg $127,355/yr lifetime
go-go · ages 60–72
Active
$156K/ yr
Travel, hobbies, family.
13 years · $13,000/mo · 130% of base
slow-go · ages 73–82
Slowing
$120K/ yr
Less travel.
10 years · $10,000/mo · 100% of base
no-go · ages 83–90
Settled
$90K/ yr
Settled.
8 years · $7,500/mo · 75% of base
Age 65 / 63 · Active
At Retirement · 2052
$12,914/mo
0.99× target $156K · $-1K
Age 67 / 65 · Active
Avery SS · 2054
$15,483/mo
1.19× target $156K · +$30K
Age 69 / 67 · Active
Both On SS · 2056
$17,963/mo
1.38× target $156K · +$60K
The forty-year curve · Nest egg in today's dollars
Bold line: actual projection with DCA + escalation. Dashed line: if you stopped contributing today.
With DCA + escalationIf you stopped contributing today
Today $247K → Age 90 $6.5M
Income capacity at every milestone
4% rule on portfolio + PERS + Social Security, all in today's dollars
Target spend $120,000/yr · $10,000/mo
Year
Ages
Phase
Nest egg
4% draw
PERS
SS
CAPACITY
TARGET
Cushion
2052
65 / 63
Active
$2.41M
$96K
$59K
—
$155K
$156K
0.99×
2054
67 / 65
Active
$2.46M
$98K
$59K
$29K
$186K
$156K
1.19×
2056
69 / 67
Active
$2.57M
$103K
$59K
$54K
$216K
$156K
1.38×
2067
80 / 78
Slowing
$4.04M
$161K
$59K
$54K
$274K
$120K
2.28×
2077
90 / 88
Settled
$6.45M
$258K
$59K
$54K
$371K
$90K
4.12×
Front-load the spending. The early years are the active phase — $156K/yr targets travel, family time, hobbies while bodies still work. Capacity is tight at retirement (0.99×) but the pension + Avery's SS at 67 lift the cushion to 1.19× within two years, and Quinn's SS at 67 takes it to 1.38×. By the slowing phase spending drops to $120K — the portfolio is now growing, not drawing. By the settled phase, target drops again to $90K and the cushion explodes. The math is generational-wealth: spend richly in the active years, the portfolio still compounds.
§IVThe asset class map
$ 240,000 across 3 asset categories
Other
$219,000
91.2%
US Equities
$14,300
6.0%
Crypto
$6,700
2.8%
§VThe monthly engine
Dollar-cost averaging · $2,904/mo · $34,848/yr
Source · Joint Checking + Quinn's gross$2,904/mo
↓
Avery Roth IRA
DemoMix
$583
Quinn Roth IRA
Target 2055
$583
Avery 401(k) escalating
DemoMix · +$1K/yr until $18K/yr cap
$658 → $1,500
Joint Brokerage escalating
DemoMix · +$100/mo each Jan until $1,200/mo cap
$600 → $1,200
Quinn Teacher Pension
Defined benefit pension
$480
Annual investing flow$34,848
How the engine compounds
$240,000 today +$2,424/mo ramping to $3,866/mo ×4.9% real return / year for26 years =$6.6M at age 90
At Avery age 65
$2.42M
Coast FI crossover
2060·12
Total contributions to 65
$0K
PERS lifetime (25 yrs)
$1,464K
Brokerage DCA · escalation plan
2026
$2,424
2027
$2,607
2028
$2,791
2029
$2,974
2030
$3,157
2031
$3,341
2032
$3,524
2033
$3,607
2034
$3,691
2035
$3,774
2036
$3,857
2037
$3,866
Each January: brokerage contribution steps up by $100/mo. Cap at $1,500/mo from Jan 2035 onward — adds roughly $17K/year of extra contributions by the time the ramp finishes.
The Avery Fund · canonical buy sheet
One allocation, three buckets — Roth IRA · Roth 401(k) · Joint Brokerage. $1,841/mo today, ramping to $3,283/mo by 2035.
6 tickers · global · equity-heavy
Ticker
Class
Weight
$ Now
$ Ramped
Allocation
VTSAX
US Total Market
45.0%
$828
$1,477
VTIAX
International
25.0%
$460
$821
SCHD
US Dividend
12.0%
$221
$394
QQQM
Nasdaq Growth
10.0%
$184
$328
IBIT
Bitcoin
5.0%
$92
$164
VBTLX
Bonds
3.0%
$55
$98
Total · monthly into DmixFund
100%
$1,841
$3,283
Same mix lands across Avery's retirement accounts and the joint brokerage — Avery Roth IRA, Avery 401(k), Joint Brokerage. When the brokerage ramp finishes, the fund will be absorbing $39,396/year. Quinn's Roth IRA buys a target-date fund separately — set-and-forget glidepath.
§VIThe kids chapter
Goal · 2 kids in 2027-2031
Two children, twenty-two years, ~$748K.
USDA ~$310K + college runway
The estimate is for the long arc — diapers to dorm rooms — for two children, in today's dollars. Roughly $18,000/year per child, peaking around college years. If we hit the target window of 2027-2031, peak overlap (two kids under 5) lands around 2031.
Things that kick in once kid #1 arrives: 529 plans, term life insurance, will + estate plan. None active yet — staged for that trigger.