Four phases: P1 = now (high-pace Uber) · P2 = scaled-back through m24 · P3 = m25–72, years 3–6, optional light Uber matching the upstairs-lease horizon · P4 = m73–360, true retirement, zero Uber. The first 24 months matter most — Phase 1 and 2 set up everything that follows. Mortgage: $850K @ 5.5% APR amortizes through m297 (default payoff slider); after that, the $5,250/mo line drops to $0. Interest on accumulated balances grows into Dad's main income source by Phase 4 — that's the whole point of building the buckets now.
Companion to the 6-year tool and the 2-year decision tool.
Phase 1 · Months 1 to 12 · Now (current high-pace Uber)
Initial pace + vehicle, before scaling back
Phase 1 Uber pace
60 hrs/wk
Phase 1 vehicle
Phase 2 · Months 13–24 · Scaled-back working
Lower Uber pace heading into retirement
Phase 2 transition
month 12
30 hrs/wk
Set transition month to 0 to skip Phase 2 (Phase 1 runs all 24 months).
Phase 2 vehicle
Often the same as Phase 1, but pick differently if Dad switches cars when scaling back.
Phase 3 · Months 25–72 · Years 3–6 · Post-Uber, optional light work
Light Uber, optional car business, lifestyle bumps, health step-down
Phase 3 income sources
30 hrs/mo
Per month, not week. At 30 hrs/mo × $25/hr = $750. Set to 0 for full retirement.
$0/mo
Phase 3 only. Dad rents his car to another driver, takes a cut. Modest setup: $500–$1,200/mo net.
Phase 3 lifestyle
$500/mo
$400/mo
$300/mo
Phase 1 + 2 hold these at $250 / $200 / $150. Phase 3 = the values above.
Phase 3 vehicle
Tesla NEW (0% APR / 72 mo) is the cheapest owned option once Grandma's car is gone. Avis ($1,525 fixed) makes no sense at retirement mileage.
Auto vehicle replacement cycle
84 mo
Every N months, the active Tesla's loan resets (Dad trades up to a new Tesla of the same type). Default 84 mo = 7 years. Slider runs 0–180 (15 yrs); 0 disables auto-replacement (one Tesla for the whole window, post-loan fixed cost stays $375/mo). Only matters when a Tesla is the active vehicle — ignored for Grandma's car or Avis.
No Uber. Inherits Phase 3 vehicle + lifestyle. Interest takes over as the income engine.
Phase 4 has no dedicated controls. By definition, this is the band where Dad has fully exited Uber and isn't actively running a car business. He's living on rent + pension + drawdowns + interest on accumulated balances. Everything that varies (vehicle pick, golf/eat/disc, lifestyle, lease renewal growth, auto vehicle replacement, drawdowns) is set in the Phase 3 and Long-Term Levers controls below — Phase 4 inherits all of it. The only thing that changes at m73 is Uber income drops to $0 and the Direct Car Business income (if any) ends.
Want different settings for years 7–30 specifically? Tell me and I'll add Phase 4 sliders. For now this keeps the control panel from getting buried.
Long-term levers · Rare events that move the model
Mortgage payoff, health step, lease growth, Opportunity Fund
Mortgage payoff
month 297
$850K @ 5.5% APR with the current $5,250/mo payment amortizes naturally at m297 (~24.75 years). It's a 5-yr balloon that gets renewed; if the rate changes or Dad pays it down faster, drag this slider. After the payoff month, the $5,250 line disappears from expenses entirely.
Health insurance step
month 31
Default month 31: ~6-month bridge insurance after Uber phase, then ACA/Medicare-style step. Drag to retest.
Upstairs lease renewal + long-term growth
$11,500/mo
1.5%/yr
Lease structure: m1–36 at $11,000 (current 3-yr term), m37–72 flat at the renewal value above (years 4–6), then grows annually starting m73 at the rate above. In real life the lease renews every 3 years — this smooths those step-ups into annual growth. Default 1.5%/yr is conservative.
Opportunity Fund (for IPO / bank flips / side plays)
$100,000
$20,000
30% to Opp
When House crosses the threshold: seed transfers House → Opp once, then residual splits per the % above for the rest of the projection.
Bucket drawdowns · What if Dad spends some of it — click to expand ▾
Stress-test: subtract spending from each bucket (default collapsed)
All drawdowns default to $0 — turn them on individually to see what happens if Dad actually spends from each bucket. The buckets accumulate via deposits and 4% interest; these sliders subtract spending each month. Opportunity Fund has no drawdown slider since it's meant to keep growing.
🔧 M&I drawdown — ongoing house maintenance
$0/mo
Applies all phases. M&I deposits $809→~$1,400/mo over 20 years; if maintenance issues eat into it, drag this up. $0 = nothing pulled (bucket grows from deposits only).
Two parts: a one-time lump sum (e.g. the Australia trip) and an ongoing monthly drawdown for regular travel. Both default $0 so the baseline doesn't shift.
One-time lump sum (Australia trip)
month 18
$0
Default trip month = m18 (1.5 years from now). Bump amount up to $8K–$15K to model the Australia trip.
Ongoing monthly travel (after the first trip)
month 24
$0/mo
Trip Fund continues building at $750/mo; this subtracts ongoing travel spending starting from the chosen month.
🏠 House Fund drawdown — big house improvements, year 6+ only
$0/mo
Starts at m73 — after the planned upstairs lease horizon. Before then, rental income covers needs; the House Fund stays untouched. Leave at $0 unless modeling a specific use in Phase 4.
💵 Personal Long-term drawdown — discretionary, retirement only
$0/mo
Starts at m25. Hopefully not needed — but available if other income falls short.
🚗 VRF per vehicle event — depreciation gap at each new car
$0
Drawn from VRF whenever the active vehicle changes (P1→P2 swap, P2→P3 swap, or each auto-replacement cycle hit). Original VRF design: cover the gap between what an Uber-driven Tesla is worth at sale vs. what's still owed. If VRF can't cover it, the remainder comes from House Fund. Set to ~$15,000 to model significant Uber-era depreciation at the first event.
Combined wealth @ m24
—
End of working years
Combined wealth @ m360
—
End of 30-year projection
Opportunity Fund @ m360
—
triggered at month —
Interest income @ m360
—
"passive" — what balances earn
What this scenario actually looks like — in plain English
Auto-updates as you drag any slider above.
Two years from now (Month 24)
—
Thirty years from now (Month 360)
—
Money in / money out — typical month, by phase
Pick a phase to see a typical month inside it. Compare across phases to see how the picture shifts.
↓ Money in
↑ Money out (living expenses)
Phase 3 typical month (sampled at m48):
Money in $0 − Money out $0 = $0 flows into the savings buckets below.
The 6 savings buckets — monthly deposits by phase + month-72 balance
The three dynamic buckets (House, Vehicle Replacement, Opportunity) show contributions for each phase side-by-side, so you can see how they shift as Dad scales back and retires. The three fixed buckets (Personal LT, Trip, M&I) take the same dollar amount every month (M&I grows ~2.5%/yr with house bills) — they're shown as a single value.
Each phase value is the contribution at a representative month inside that phase (P1 mid, P2 mid, P3 m120 — 10 years into retirement). If Phase 2 is skipped (transition month = 0 or 24), P2 reads "—". For the Opportunity Fund, any phase that's before the trigger reads "$0"; once the trigger fires inside a phase, that phase reads the post-trigger split contribution. The seed transfer at trigger isn't a monthly contribution — it's reflected in the m360 balance.
Vertical markers: Phase 2 boundary (if scale-back active), m24 (Phase 3 begins), health step (current slider), m37 (first lease renewal), m72 (Phase 4 begins — no more Uber), mortgage payoff (current slider), m360 (Year 30), plus Opp trigger and vehicle replacements as they happen.
All buckets, month-by-month
House FundPersonal Long-termM&ITrip / TravelVehicle ReplacementOpportunity Fund
Milestone snapshots
Month
House
Personal
M&I
Trip
VRF
Opportunity
Total
—
Monthly income picture — including interest from accumulated balances
Real income = rent + pension + Uber + car biz + interest on accumulated savings. Every $100K of balance throws off ~$333/mo at 4% APR. As buckets grow, interest grows with them — slow, safe income that doesn't depend on driving or markets.
Rent (down + up)PensionUberCar business (P3)Interest on balances
Phase 1 + 2 Uber: hours/wk × 4.33 × $25/hr (Phase 1 = initial pace, Phase 2 = scaled-back pace after the transition month).
Phase 3 Uber: hours/MONTH × $25/hr.
Phase 3 only: optional Direct Car Business flat $/mo net income (Dad rents the car to another driver, takes margin without driving).
Expenses:
Mortgage $5,250/mo until the mortgage-payoff slider month (default m297, computed from $850K principal × 5.5% APR amortization with the current $5,250 payment). After that month, $0 mortgage. It's a 5-yr balloon that gets renewed — adjust the slider if the rate changes meaningfully.
House bills $1,810/mo base, grows 2.5%/yr. M&I reserve $809.17/mo same growth.
Florida rent $2,600, groceries/utilities $1,250, both grow 2.5%/yr.
Health: $600/mo Phase 1 + 2, steps to $300/mo at the configurable month (default 31, inside Phase 3).
Vehicles: each of the three phases has its own pick (Grandma's car / Avis / Tesla NEW / Tesla USED). Phase 1 + 2 use weekly Uber hours × 4.33 × 30 mph for miles; Phase 3 uses MONTHLY hours × 30 mph. Total monthly vehicle cost = fixed monthly (loan + insurance + reg) + miles × per-mile rate for that vehicle.
Tesla loans: NEW = 72 months @ 0% APR, USED = 60 months @ 7% APR. A loan starts the first month its Tesla type becomes the active vehicle. If Dad sells (switches to a different vehicle) and later rebuys the same Tesla type in Phase 3 with a gap in between, that's tracked as a new loan starting in Phase 3. After a loan ends, the monthly fixed cost drops to $375 (insurance + registration only).
Bucket allocations (continuous through both phases):
M&I: $809.17/mo, grows 2.5%/yr.
Personal Long-term: $1,500/mo, flat throughout.
Trip / Travel: $750/mo, flat — becomes general travel fund after Australia.
Vehicle Replacement Fund: auto-scales with miles whenever a Tesla is the active vehicle in any phase ($34,000 ÷ 200,000 mi, floor $300/mo). $0 when the active vehicle is Grandma's car or Avis.
House Fund: everything left over after the above.
Opportunity Fund: $0 until House crosses the trigger threshold. At that month, seed transfers from House → Opp, and the residual splits per the slider.
Interest: 4% APR, compounded monthly on every bucket balance. Phase 1 math: identical to the 2-year chart at dad-uber-scenarios.pages.dev, so the m24 column here matches that tool's "TRUE net wealth" (minus vehicle loan / asset adjustment, which is dropped at m25 here).