Base scenario
Living on thin margins
A financial path with limited room for error, where small shocks can have outsized effects. Long-term outcomes depend more on resilience, adaptability, and avoiding major setbacks.
What this scenario represents
Individuals facing constrained income growth, where financial stability depends heavily on careful budgeting and expense control.
Core assumptions
- Lower starting income with limited long-term growth potential
- Restricted capacity to save throughout most working years
- Higher relative impact of unexpected expenses
- Small and fragile financial buffers over time
Results are most sensitive to
- Income disruptions
- Cost-of-living increases
- Emergency and irregular expenses
Available comparisons
Each comparison varies one assumption at a time to show its long-term impact.