Auckland NZ · age 40 to 50
Financial future
BNZ $13.5k
Sharesies $17.4k
In-Tandem $80.9k
Obligation $67.0k
Renting
Scenario
Projected net worth at 50
$0
What happens each year
Net worth path
Final assets
Age 50 shape
Free cash
Annual before investing
Year table
One scenario only
| Age | Status | Net worth | Sharesies | In-Tandem | Housing | Obligation left | Free cash |
|---|
Life every 2 years
Current data
BNZ $13,532.28 · Sharesies $17,442.43 · In-Tandem $80,867.12 · starting rent $180/week all-inclusive · last-12-month net income $110,521.75 · child support $67,000 remaining.
Rule
All free cash goes into Sharesies. If cashflow goes negative, cash is used first, then Sharesies. Nothing unexpected is added.
Presets
Low-rent tabs treat $180/week as a starter setup, then step up to a more normal room/share-house rent after the cheap-rent period.
Housing
OWN IT models count only the buyer share as property asset. Room income is net income after extra household cost, not gross board.