State university → office career Four years at an in-state public university (~$30k/yr) into a typical salaried career. A middle-of-the-road baseline most families recognize.

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2033–2036

Undergraduate · In-state public university

age 18–21

2083

Roth + brokerage at age 68

$9,841,070

Total cost of attending

$180,124

compound inflation

529 after graduation

left in the fund

Rolled into Roth IRA

lifetime cap $35,000

Roth IRA at 68

+ $0 still in 529

Brokerage at 68

$9,841,070

leftover drawn down · $0 lost to tax + penalty

Borrowed (student loans)

$90,617

+ $40,656 interest · paid off at age 28

Starting salary

$83,323

at graduation · 4.0%/yr raises + partner/owner stages

Lifetime saved & invested

$4,425,542

after 28.0% tax + 50.0% spending & loans

Net worth at 68

$9,841,070

assets + equity − loans

Year by year

Phase	Year	Age	Cost	529 End	Brokerage	Salary	Loan	Net worth
Accumulation	2026	11		$10,000				$10,000
Accumulation	2027	12		$16,885				$16,885
Accumulation	2028	13		$24,232				$24,232
Accumulation	2029	14		$32,070				$32,070
Accumulation	2030	15		$40,433				$40,433
Accumulation	2031	16		$49,357				$49,357
Accumulation	2032	17		$58,878				$58,878
Undergraduate · In-state public university	2033	18	$41,791	$27,245				$27,245
Undergraduate · In-state public university	2034	19	$43,880	$0			$8,595	$-8,595
Undergraduate · In-state public university	2035	20	$46,074	$0			$49,141	$-49,141
Undergraduate · In-state public university	2036	21	$48,378	$0			$95,235	$-95,235
Post-grad (529 → Roth) · Entry level	2037	22		$0		$83,323	$87,531	$-87,531
Post-grad (529 → Roth) · Entry level	2038	23		$0	$3,039	$86,656	$78,546	$-75,506
Post-grad (529 → Roth) · Entry level	2039	24		$0	$6,356	$90,122	$68,202	$-61,846
Post-grad (529 → Roth) · Entry level	2040	25		$0	$9,968	$93,727	$56,366	$-46,397
Post-grad (529 → Roth) · Entry level	2041	26		$0	$13,897	$97,476	$42,891	$-28,993
Post-grad (529 → Roth) · Mid-career	2042	27		$0	$18,164	$136,856	$21,072	$-2,908
Post-grad (529 → Roth) · Mid-career	2043	28		$0	$24,085	$142,330		$24,085
Post-grad (529 → Roth) · Mid-career	2044	29		$0	$34,108	$148,024		$34,108
Post-grad (529 → Roth) · Mid-career	2045	30		$0	$69,314	$153,945		$69,314
Post-grad (529 → Roth) · Mid-career	2046	31		$0	$107,659	$160,102		$107,659
Post-grad (529 → Roth) · Mid-career	2047	32		$0	$149,358	$166,506		$149,358
Post-grad (529 → Roth) · Mid-career	2048	33		$0	$194,639	$173,167		$194,639
Post-grad (529 → Roth) · Mid-career	2049	34		$0	$243,741	$180,093		$243,741
Post-grad (529 → Roth) · Senior	2050	35		$0	$296,921	$235,856		$296,921
Post-grad (529 → Roth) · Senior	2051	36		$0	$365,428	$245,290		$365,428
Post-grad (529 → Roth) · Senior	2052	37		$0	$439,572	$255,101		$439,572
Post-grad (529 → Roth) · Senior	2053	38		$0	$519,727	$265,306		$519,727
Post-grad (529 → Roth) · Senior	2054	39		$0	$606,289	$275,918		$606,289
Post-grad (529 → Roth) · Senior	2055	40		$0	$699,679	$286,954		$699,679
Post-grad (529 → Roth) · Senior	2056	41		$0	$800,343	$298,433		$800,343
Post-grad (529 → Roth) · Senior	2057	42		$0	$908,750	$310,370		$908,750
Post-grad (529 → Roth) · Lead / management	2058	43		$0	$1,025,403	$379,747		$1,025,403
Post-grad (529 → Roth) · Lead / management	2059	44		$0	$1,163,706	$394,937		$1,163,706
Post-grad (529 → Roth) · Lead / management	2060	45		$0	$1,312,519	$410,734		$1,312,519
Post-grad (529 → Roth) · Lead / management	2061	46		$0	$1,472,517	$427,163		$1,472,517
Post-grad (529 → Roth) · Lead / management	2062	47		$0	$1,644,414	$444,250		$1,644,414
Post-grad (529 → Roth) · Lead / management	2063	48		$0	$1,828,968	$462,020		$1,828,968
Post-grad (529 → Roth) · Lead / management	2064	49		$0	$2,026,982	$480,501		$2,026,982
Post-grad (529 → Roth) · Lead / management	2065	50		$0	$2,239,303	$499,721		$2,239,303
Post-grad (529 → Roth) · Lead / management	2066	51		$0	$2,466,832	$519,710		$2,466,832
Post-grad (529 → Roth) · Lead / management	2067	52		$0	$2,710,521	$540,498		$2,710,521
Post-grad (529 → Roth) · Lead / management	2068	53		$0	$2,971,376	$562,118		$2,971,376
Post-grad (529 → Roth) · Lead / management	2069	54		$0	$3,250,464	$584,603		$3,250,464
Post-grad (529 → Roth) · Lead / management	2070	55		$0	$3,548,913	$607,987		$3,548,913
Post-grad (529 → Roth) · Lead / management	2071	56		$0	$3,867,918	$632,306		$3,867,918
Post-grad (529 → Roth) · Lead / management	2072	57		$0	$4,208,741	$657,598		$4,208,741
Post-grad (529 → Roth) · Lead / management	2073	58		$0	$4,572,719	$683,902		$4,572,719
Post-grad (529 → Roth) · Lead / management	2074	59		$0	$4,961,264	$711,259		$4,961,264
Post-grad (529 → Roth) · Lead / management	2075	60		$0	$5,375,872	$739,709		$5,375,872
Post-grad (529 → Roth) · Lead / management	2076	61		$0	$5,818,123	$769,297		$5,818,123
Post-grad (529 → Roth) · Lead / management	2077	62		$0	$6,289,689	$800,069		$6,289,689
Post-grad (529 → Roth) · Lead / management	2078	63		$0	$6,792,338	$832,072		$6,792,338
Post-grad (529 → Roth) · Lead / management	2079	64		$0	$7,327,937	$865,355		$7,327,937
Post-grad (529 → Roth) · Lead / management	2080	65		$0	$7,898,461	$899,969		$7,898,461
Post-grad (529 → Roth) · Lead / management	2081	66		$0	$8,506,000	$935,968		$8,506,000
Post-grad (529 → Roth) · Lead / management	2082	67		$0	$9,152,759	$973,406		$9,152,759
Post-grad (529 → Roth) · Lead / management	2083	68		$0	$9,841,070	$1,012,343		$9,841,070