Scenario library
Life scenarios
Explore distinct financial life paths shaped by income trajectory, saving behavior, investment exposure, and uncertainty.
How to use this page
- Pick a base scenario pattern.
- Open its comparison axes.
- Test assumptions in the calculator.
What scenarios represent
Scenarios are intentionally abstract — they describe how a financial life behaves, not where you live or what job you have.
You can then compare axis-based variants to understand how a single assumption changes long-term outcomes.
Available scenarios
Each scenario highlights a different risk and growth profile.
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The steady builder
Individuals with a stable career path, predictable income growth, and balanced long-term financial planning.
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Living on thin margins
Individuals facing constrained income growth, where financial stability depends heavily on careful budgeting and expense control.
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Peak earning years
Professionals with strong earning potential who combine high income with disciplined saving and long-term investing.
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Starting late
Individuals whose main career and saving phase begins later in life, leaving less time for compound growth.
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Independent and uneven
Independent workers managing irregular income streams and fluctuating financial stability.
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Interrupted career
Careers exposed to recurring job instability or temporary employment interruptions.
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Health-related setbacks
Life paths where health-related events introduce recurring or occasional financial strain over time.
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A volatile financial ride
Financial paths characterized by instability, combining income volatility, market uncertainty, and repeated adverse events.
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Family-first life
Households balancing long-term financial goals with the costs and responsibilities of raising children.
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Fast-track independence
Highly disciplined individuals prioritizing rapid wealth accumulation and early financial independence.
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Living off passive income
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Unsustainable finances
What happens next?
After choosing a scenario, open one comparison axis to see outcome deltas, then adjust values directly in the calculator.
Go to calculator →