Community college → state (transfer) Two years of community college at home, then transfer to a state school for two — the budget four-year degree that often avoids loans entirely.

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2033–2034

Community college · Community college (live at home)

age 18–19

2035–2036

Undergraduate · State university (transfer)

age 20–21

2083

Roth + brokerage at age 68

$10,715,012

Total cost of attending

$115,510

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

$10,715,012

leftover drawn down · $0 lost to tax + penalty

Borrowed (student loans)

$18,514

+ $7,008 interest · paid off at age 28

Starting salary

$83,323

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

Lifetime saved & invested

$4,531,292

after 28.0% tax + 50.0% spending & loans

Net worth at 68

$10,715,012

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
Community college · Community college (live at home)	2033	18	$10,272	$58,764				$58,764
Community college · Community college (live at home)	2034	19	$10,785	$58,130				$58,130
Undergraduate · State university (transfer)	2035	20	$46,074	$22,164				$22,164
Undergraduate · State university (transfer)	2036	21	$48,378	$0			$18,514	$-18,514
Post-grad (529 → Roth) · Entry level	2037	22		$0		$83,323	$17,015	$-17,015
Post-grad (529 → Roth) · Entry level	2038	23		$0	$15,773	$86,656	$15,278	$496
Post-grad (529 → Roth) · Entry level	2039	24		$0	$32,985	$90,122	$13,277	$19,708
Post-grad (529 → Roth) · Entry level	2040	25		$0	$51,733	$93,727	$10,987	$40,746
Post-grad (529 → Roth) · Entry level	2041	26		$0	$72,122	$97,476	$8,380	$63,742
Post-grad (529 → Roth) · Mid-career	2042	27		$0	$94,265	$136,856	$4,156	$90,109
Post-grad (529 → Roth) · Mid-career	2043	28		$0	$124,995	$142,330		$124,995
Post-grad (529 → Roth) · Mid-career	2044	29		$0	$158,952	$148,024		$158,952
Post-grad (529 → Roth) · Mid-career	2045	30		$0	$200,545	$153,945		$200,545
Post-grad (529 → Roth) · Mid-career	2046	31		$0	$245,604	$160,102		$245,604
Post-grad (529 → Roth) · Mid-career	2047	32		$0	$294,361	$166,506		$294,361
Post-grad (529 → Roth) · Mid-career	2048	33		$0	$347,060	$173,167		$347,060
Post-grad (529 → Roth) · Mid-career	2049	34		$0	$403,961	$180,093		$403,961
Post-grad (529 → Roth) · Senior	2050	35		$0	$465,338	$235,856		$465,338
Post-grad (529 → Roth) · Senior	2051	36		$0	$542,461	$245,290		$542,461
Post-grad (529 → Roth) · Senior	2052	37		$0	$625,662	$255,101		$625,662
Post-grad (529 → Roth) · Senior	2053	38		$0	$715,338	$265,306		$715,338
Post-grad (529 → Roth) · Senior	2054	39		$0	$811,909	$275,918		$811,909
Post-grad (529 → Roth) · Senior	2055	40		$0	$915,819	$286,954		$915,819
Post-grad (529 → Roth) · Senior	2056	41		$0	$1,027,540	$298,433		$1,027,540
Post-grad (529 → Roth) · Senior	2057	42		$0	$1,147,571	$310,370		$1,147,571
Post-grad (529 → Roth) · Lead / management	2058	43		$0	$1,276,443	$379,747		$1,276,443
Post-grad (529 → Roth) · Lead / management	2059	44		$0	$1,427,590	$394,937		$1,427,590
Post-grad (529 → Roth) · Lead / management	2060	45		$0	$1,589,903	$410,734		$1,589,903
Post-grad (529 → Roth) · Lead / management	2061	46		$0	$1,764,093	$427,163		$1,764,093
Post-grad (529 → Roth) · Lead / management	2062	47		$0	$1,950,907	$444,250		$1,950,907
Post-grad (529 → Roth) · Lead / management	2063	48		$0	$2,151,142	$462,020		$2,151,142
Post-grad (529 → Roth) · Lead / management	2064	49		$0	$2,365,639	$480,501		$2,365,639
Post-grad (529 → Roth) · Lead / management	2065	50		$0	$2,595,286	$499,721		$2,595,286
Post-grad (529 → Roth) · Lead / management	2066	51		$0	$2,841,028	$519,710		$2,841,028
Post-grad (529 → Roth) · Lead / management	2067	52		$0	$3,103,861	$540,498		$3,103,861
Post-grad (529 → Roth) · Lead / management	2068	53		$0	$3,384,840	$562,118		$3,384,840
Post-grad (529 → Roth) · Lead / management	2069	54		$0	$3,685,082	$584,603		$3,685,082
Post-grad (529 → Roth) · Lead / management	2070	55		$0	$4,005,768	$607,987		$4,005,768
Post-grad (529 → Roth) · Lead / management	2071	56		$0	$4,348,146	$632,306		$4,348,146
Post-grad (529 → Roth) · Lead / management	2072	57		$0	$4,713,538	$657,598		$4,713,538
Post-grad (529 → Roth) · Lead / management	2073	58		$0	$5,103,342	$683,902		$5,103,342
Post-grad (529 → Roth) · Lead / management	2074	59		$0	$5,519,035	$711,259		$5,519,035
Post-grad (529 → Roth) · Lead / management	2075	60		$0	$5,962,180	$739,709		$5,962,180
Post-grad (529 → Roth) · Lead / management	2076	61		$0	$6,434,428	$769,297		$6,434,428
Post-grad (529 → Roth) · Lead / management	2077	62		$0	$6,937,525	$800,069		$6,937,525
Post-grad (529 → Roth) · Lead / management	2078	63		$0	$7,473,318	$832,072		$7,473,318
Post-grad (529 → Roth) · Lead / management	2079	64		$0	$8,043,757	$865,355		$8,043,757
Post-grad (529 → Roth) · Lead / management	2080	65		$0	$8,650,905	$899,969		$8,650,905
Post-grad (529 → Roth) · Lead / management	2081	66		$0	$9,296,940	$935,968		$9,296,940
Post-grad (529 → Roth) · Lead / management	2082	67		$0	$9,984,165	$973,406		$9,984,165
Post-grad (529 → Roth) · Lead / management	2083	68		$0	$10,715,012	$1,012,343		$10,715,012