03/06/2026
“Can we trade Jersey winters for Florida sunshine without jeopardizing retirement?”
That was the question on yesterday’s agenda. We modeled a move to a warmer zip code—picture morning coffee in a lanai, a pool out back, and the beach a short bike ride away—and then stress-tested the numbers. Even after accounting for a new mortgage, higher insurance, and an uptick in travel, their plan landed in the “green zone.” The key? Redirecting today’s surplus cash into the right mix of pre-tax savings and a flexible, taxable account, giving us room for future Roth conversions and unexpected costs. Small shifts—like nudging 401(k) contributions and scheduling quarterly deposits—pushed their probability of success from “comfortable” to “confident.”
Big dreams are possible when you let the data guide the daydreams. What lifestyle upgrade is waiting in your spreadsheet?
