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Housing, Cash Flow & Spending Analysis
Household income & spending snapshot
Income, taxes, accounts & drawdown — every year from now to 90
Plan your income, housing, expenses, and see how it all plays out
| Category |
EARLY
Yr 0-4
|
ELEM
Yr 4-10
|
MID/HIGH
Yr 10-18
|
RETIRE
Yr 20+
|
|---|---|---|---|---|
| INCOME | ||||
| Shawn Income |
$300K
|
$300K
|
$300K
|
— |
| Afsheen Income |
$300K
|
$300K
|
$300K
|
— |
| Total Income | $1,200K | $600K | $300K | — |
| EXPENSES | ||||
| Housing | $13,000 | $13,000 | $13,000 | $13,000 |
| Childcare Add-ons |
Nanny +$
|
Nanny +$
|
— | — |
| Children & Education |
$7,000
|
$3,000
|
$3,000
|
— |
| Food & Dining |
$3,000
|
$3,500
|
$4,000
|
$4,000
|
| Shopping |
$2,000
|
$2,000
|
$2,000
|
$1,500
|
| Transportation |
$2,000
|
$2,000
|
$2,000
|
$1,500
|
| Travel |
$2,000
|
$2,000
|
$2,000
|
$5,000
|
| Healthcare |
$1,000
|
$1,500
|
$2,000
|
$3,000
|
| Other (Utils, Ins, Subs) |
$2,000
|
$2,000
|
$2,000
|
$2,000
|
| Total Expenses | $30,000 | $27,000 | $27,000 | $30,000 |
| NET MONTHLY (Surplus) | $1,000 | $4,000 | -$10,000 | -$30,000 |
| INCOME REQUIRED (Break-even) | $600K | $550K | $550K | N/A |
| Phase | Years | Take-Home | Spending | Surplus | Account Flows |
|---|
Drive times: off-peak / rush hour. BART times are door-to-door including drive to station.
| Area | Home Price | 15-Yr Total | Schools | BART Access | SF (BART) | Burlingame | Menlo Park |
|---|---|---|---|---|---|---|---|
| Orinda | $2.2M | $1,080K | Public K-12 | Orinda 5min | 40-45 | 35 / 55 | 45 / 70 |
| Moraga | $1.8M | $882K | Public K-12 | Orinda 15min | 55-60 | 40 / 65 | 50 / 80 |
| Lafayette | $2.4M | $1,260K | Public K-12 | Lafayette 5min | 45-50 | 35 / 60 | 45 / 75 |
| Walnut Creek | $1.6M | $780K | Public K-12 | WC/Pleasant Hill 5min | 50-55 | 40 / 65 | 50 / 80 |
| Crocker Highlands | $1.8M | $1,404K | Pub K-5, Priv 6-12 | Rockridge 8min | 35-40 | 30 / 50 | 40 / 65 |
| Montclair | $1.9M | $1,512K | Pub K-5, Priv 6-12 | Rockridge 12min | 40-45 | 30 / 50 | 40 / 65 |
| Piedmont | $2.8M | $1,800K | Public K-12 | MacArthur 7min | 30-35 | 25 / 45 | 35 / 60 |
| Rockridge | $2.2M | $1,746K | Pub K-5, Priv 6-12 | Rockridge walk | 30-35 | 25 / 45 | 35 / 60 |
| Area | SF | Burlingame | Menlo Park |
|---|---|---|---|
| Orinda | 40-45 | 35-40 | 45-50 |
| Moraga | 55-60 | 40-45 | 50-55 |
| Lafayette | 45-50 | 35-40 | 45-50 |
| Walnut Creek | 50-55 | 40-45 | 50-55 |
| Crocker Highlands | 35-40 | 30-35 | 40-45 |
| Montclair | 40-45 | 30-35 | 40-45 |
| Piedmont | 30-35 | 25-30 | 35-40 |
| Rockridge | 30-35 | 25-30 | 35-40 |
| Area | SF | Burlingame | Menlo Park |
|---|---|---|---|
| Orinda | 40-45 | 50-60 | 65-75 |
| Moraga | 55-60 | 60-70 | 75-85 |
| Lafayette | 45-50 | 55-65 | 70-80 |
| Walnut Creek | 50-55 | 60-70 | 75-85 |
| Crocker Highlands | 35-40 | 45-55 | 60-70 |
| Montclair | 40-45 | 45-55 | 60-70 |
| Piedmont | 30-35 | 40-50 | 55-65 |
| Rockridge | 30-35 | 40-50 | 55-65 |
Same time whether 8am or 10am. BART to Burlingame = BART to Millbrae + Caltrain transfer.
| Area | Station | Drive |
|---|---|---|
| Orinda | Orinda | 5 |
| Moraga | Orinda | 10-15 |
| Lafayette | Lafayette | 5-10 |
| Walnut Creek | Walnut Creek | 5 |
| Crocker | Rockridge | 5-10 |
| Montclair | Rockridge | 10-15 |
| Piedmont | MacArthur | 5-10 |
| Rockridge | Rockridge | 5 walk |
| Area | Total |
|---|---|
| Rockridge | 30-35 min |
| Piedmont | 30-35 min |
| Crocker | 35-40 min |
| Orinda | 40-45 min |
| Montclair | 40-45 min |
| Lafayette | 45-50 min |
| Walnut Creek | 50-55 min |
| Moraga | 55-60 min |
| Area | Burlingame | Menlo |
|---|---|---|
| Rockridge | 55-60 | 70-75 |
| Piedmont | 50-55 | 65-70 |
| Crocker | 55-60 | 70-75 |
| Orinda | 55-60 | 70-75 |
| Montclair | 55-60 | 70-75 |
| Lafayette | 60-65 | 75-80 |
| Walnut Creek | 65-70 | 80-85 |
| Moraga | 65-70 | 80-85 |
Oakland/Piedmont areas have ~5 min less rush hour penalty than Lamorinda due to shorter distance on 680/880.
| Area | Burlingame Delta | Menlo Park Delta |
|---|---|---|
| Orinda | +15-20 min | +20-25 min |
| Moraga | +20-25 min | +25-30 min |
| Lafayette | +20-25 min | +25-30 min |
| Walnut Creek | +20-25 min | +25-30 min |
| Crocker Highlands | +15-20 min | +20-25 min |
| Montclair | +15-20 min | +20-25 min |
| Piedmont | +15-20 min | +20-25 min |
| Rockridge | +15-20 min | +20-25 min |
Shawn (39), Afsheen (40), Avi (4), Noah (2) • All amounts monthly
| Housing (rent) | $13,000 |
| Children (daycare+misc) | $10,000 |
| Food & Dining | $4,100 |
| Travel | $5,500 |
| Shopping | $3,400 |
| Transportation | $2,500 |
| Insurance/Health/Utils | $2,900 |
| Other | $1,600 |
| TOTAL | $43,000 |
| Category | Current | Target | Savings | How |
|---|---|---|---|---|
| Travel | $5,500 | $2,000 | -$3,500 | 1-2 trips/yr vs 4-5 |
| Shopping | $3,400 | $1,500 | -$1,900 | Amazon/Costco discipline |
| Children | $10,000 | $7,000 | -$3,000 | Fewer activities, cheaper camps |
| Food | $4,100 | $3,000 | -$1,100 | Less delivery, more cooking |
| Transport | $2,500 | $2,000 | -$500 | One car? Less Uber? |
| Housing | $13,000 | $14,000 | +$1,000 | Buy increases slightly |
| Ins/Health/Utils | $2,900 | $2,900 | — | Fixed costs |
| TOTAL | $43,000 | $32,000 | -$11,000 |
| Category | Early Yr 0-4 |
Elementary Yr 4-10 |
Mid/High Yr 10-18 |
College+ Yr 18+ |
|---|---|---|---|---|
| Housing | $14,000 | $14,000 | $14,000 | $14,000 |
| Children & Education | $7,000 | $3,000 | $3,000 | $0 |
| ↳ Daycare/Aftercare | $4,000 | $500 | $0 | — |
| ↳ Activities & Camps | $2,000 | $2,000 | $2,500 | — |
| ↳ School Tuition | $0 | $0 | $0 | — |
| ↳ College (from 529) | — | — | — | covered |
| Food | $3,000 | $3,500 | $4,000 | $2,500 |
| Travel | $2,000 | $2,000 | $2,000 | $2,000 |
| Everything Else | $6,000 | $5,500 | $5,000 | $3,500 |
| TOTAL | $32,000 | $28,000 | $28,000 | $22,000 |
No private school = predictable costs throughout
| Category | Early Yr 0-4 |
Elementary Yr 4-10 |
Mid/High Yr 10-18 |
College+ Yr 18+ |
|---|---|---|---|---|
| Housing | $12,000 | $12,000 | $12,000 | $12,000 |
| Children & Education | $7,000 | $3,000 | $10,000 | $0 |
| ↳ Daycare/Aftercare | $4,000 | $500 | $0 | — |
| ↳ Activities & Camps | $2,000 | $2,000 | $2,500 | — |
| ↳ School Tuition | $0 | $0 | $7,000 | — |
| ↳ College (from 529) | — | — | — | covered |
| Food | $3,000 | $3,500 | $4,000 | $2,500 |
| Travel | $2,000 | $2,000 | $2,000 | $2,000 |
| Everything Else | $6,000 | $5,500 | $5,000 | $3,500 |
| TOTAL | $30,000 | $26,000 | $33,000 | $20,000 |
$7K/mo private school = $84K/yr × ~8 years = $672K total for both kids
Choosing Orinda ($2.2M) over Piedmont ($2.8M) saves ~$3,500/month in housing costs. Here's what that funds:
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