Base scenario
Starting late
A financial life that begins later, leaving fewer years for compounding to work. Success relies on disciplined saving, steady income, and sustained focus over a shorter horizon.
What this scenario represents
Individuals whose main career and saving phase begins later in life, leaving less time for compound growth.
Core assumptions
- Career and systematic saving begin around age 40
- Shorter accumulation period before retirement
- Greater reliance on higher saving rates later in life
- Limited ability to recover from major financial setbacks
Results are most sensitive to
- Early investment performance
- Ability to sustain elevated saving rates
Available comparisons
Each comparison varies one assumption at a time to show its long-term impact.