Base scenario
Independent and uneven
A non-linear income path shaped by project-based work, variability, and self-managed risk. Flexibility is high, but consistency must be actively created rather than assumed.
What this scenario represents
Independent workers managing irregular income streams and fluctuating financial stability.
Core assumptions
- Income varies significantly from year to year
- Saving contributions are uneven over time
- Strong income years alternate with lean periods
- Higher uncertainty in long-term financial planning
Results are most sensitive to
- Income volatility
- Duration of low-income periods
- Adequacy of emergency savings
Available comparisons
Each comparison varies one assumption at a time to show its long-term impact.