Who Are You Retiring Toward?

Four questions

Let's talk about the people in your picture.

No right answers. These help us give you something honest and specific — not generic retirement advice.

Who do you most want to be near in retirement?

Pick everything that applies.

Work has been giving you structure without you asking. What's your plan when it stops?

This is the one most people haven't thought through.

Does your family cost you money right now — and do you expect that to continue?

Adult kids, grandkids, aging parents, travel to see people. All of it counts.

Roughly how much does family cost you annually? (ballpark is fine)

Under $3,000 — occasional small things $3,000–$8,000 — a few trips, some helping out $8,000–$15,000 — real line item in the budget More than $15,000 — it adds up fast

Is caregiving part of your picture — now or likely in the future?

A spouse, a parent, or eventually yourself. This one changes everything it touches.

Caregiving tends to show up in three ways. Which feel real for you?

Our honest take

Here's what your answers tell us.

About your people picture

Reading your answers...

What this costs in retirement

Family is a real budget line.

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estimated annual family spending

Loading your retirement income picture...

One next step

Have the conversation you've been avoiding.

Pick one person in your life — a partner, a kid, a close friend — and tell them what you told us. Not the financial numbers. The real stuff: where you want to be, who you want near you, what you're worried about. That conversation is worth more than any retirement calculator.

Worth knowing

The four things work gives you that retirement has to replace.

Time structure — knowing where to be and when. Social connection — people you see regularly without arranging it. Identity — a role that tells you who you are. Purpose — a reason the day matters. Retirement planning that only covers the money covers maybe 25% of what actually needs replacing.

Think about where to live → See other conversations Back to the main tool

Who are you retiring toward?

Who you're near matters as much as what you have.

Let's talk about the people in your picture.

Here's what your answers tell us.