Ivy League / private (4 yr) Four years at a private or Ivy-League school — sticker cost near $90k/yr, the expensive end of undergrad, into a strong starting salary.

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2033–2036

Undergraduate · Private / Ivy-League university

age 18–21

2083

Roth + brokerage at age 68

$13,938,832

Total cost of attending

$537,946

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

$13,938,832

leftover drawn down · $0 lost to tax + penalty

Borrowed (student loans)

$450,263

+ $270,768 interest · paid off at age 28

Starting salary

$120,952

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

Lifetime saved & invested

$6,381,446

after 28.0% tax + 50.0% spending & loans

Net worth at 68

$13,938,832

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 · Private / Ivy-League university	2033	18	$124,810	$0			$55,774	$-55,774
Undergraduate · Private / Ivy-League university	2034	19	$131,050	$0			$185,528	$-185,528
Undergraduate · Private / Ivy-League university	2035	20	$137,603	$0			$334,797	$-334,797
Undergraduate · Private / Ivy-League university	2036	21	$144,483	$0			$505,947	$-505,947
Post-grad (529 → Roth) · Entry level	2037	22		$0		$120,952	$465,865	$-465,865
Post-grad (529 → Roth) · Entry level	2038	23		$0		$125,791	$417,326	$-417,326
Post-grad (529 → Roth) · Entry level	2039	24		$0		$130,822	$359,219	$-359,219
Post-grad (529 → Roth) · Entry level	2040	25		$0		$136,055	$290,305	$-290,305
Post-grad (529 → Roth) · Entry level	2041	26		$0		$141,497	$209,196	$-209,196
Post-grad (529 → Roth) · Mid-career	2042	27		$0		$198,662	$77,680	$-77,680
Post-grad (529 → Roth) · Mid-career	2043	28		$0		$206,609		$0
Post-grad (529 → Roth) · Mid-career	2044	29		$0		$214,873		$0
Post-grad (529 → Roth) · Mid-career	2045	30		$0	$48,572	$223,468		$48,572
Post-grad (529 → Roth) · Mid-career	2046	31		$0	$101,572	$232,407		$101,572
Post-grad (529 → Roth) · Mid-career	2047	32		$0	$159,304	$241,703		$159,304
Post-grad (529 → Roth) · Mid-career	2048	33		$0	$222,092	$251,371		$222,092
Post-grad (529 → Roth) · Mid-career	2049	34		$0	$290,277	$261,426		$290,277
Post-grad (529 → Roth) · Senior	2050	35		$0	$364,223	$342,371		$364,223
Post-grad (529 → Roth) · Senior	2051	36		$0	$460,251	$356,066		$460,251
Post-grad (529 → Roth) · Senior	2052	37		$0	$564,287	$370,309		$564,287
Post-grad (529 → Roth) · Senior	2053	38		$0	$676,865	$385,121		$676,865
Post-grad (529 → Roth) · Senior	2054	39		$0	$798,552	$400,526		$798,552
Post-grad (529 → Roth) · Senior	2055	40		$0	$929,946	$416,547		$929,946
Post-grad (529 → Roth) · Senior	2056	41		$0	$1,071,684	$433,209		$1,071,684
Post-grad (529 → Roth) · Senior	2057	42		$0	$1,224,441	$450,537		$1,224,441
Post-grad (529 → Roth) · Lead / management	2058	43		$0	$1,388,930	$551,245		$1,388,930
Post-grad (529 → Roth) · Lead / management	2059	44		$0	$1,584,599	$573,295		$1,584,599
Post-grad (529 → Roth) · Lead / management	2060	45		$0	$1,795,264	$596,227		$1,795,264
Post-grad (529 → Roth) · Lead / management	2061	46		$0	$2,021,890	$620,076		$2,021,890
Post-grad (529 → Roth) · Lead / management	2062	47		$0	$2,265,502	$644,879		$2,265,502
Post-grad (529 → Roth) · Lead / management	2063	48		$0	$2,527,185	$670,674		$2,527,185
Post-grad (529 → Roth) · Lead / management	2064	49		$0	$2,808,086	$697,501		$2,808,086
Post-grad (529 → Roth) · Lead / management	2065	50		$0	$3,109,424	$725,401		$3,109,424
Post-grad (529 → Roth) · Lead / management	2066	51		$0	$3,432,485	$754,417		$3,432,485
Post-grad (529 → Roth) · Lead / management	2067	52		$0	$3,778,634	$784,594		$3,778,634
Post-grad (529 → Roth) · Lead / management	2068	53		$0	$4,149,313	$815,978		$4,149,313
Post-grad (529 → Roth) · Lead / management	2069	54		$0	$4,546,052	$848,617		$4,546,052
Post-grad (529 → Roth) · Lead / management	2070	55		$0	$4,970,467	$882,561		$4,970,467
Post-grad (529 → Roth) · Lead / management	2071	56		$0	$5,424,269	$917,864		$5,424,269
Post-grad (529 → Roth) · Lead / management	2072	57		$0	$5,909,268	$954,578		$5,909,268
Post-grad (529 → Roth) · Lead / management	2073	58		$0	$6,427,380	$992,762		$6,427,380
Post-grad (529 → Roth) · Lead / management	2074	59		$0	$6,980,631	$1,032,472		$6,980,631
Post-grad (529 → Roth) · Lead / management	2075	60		$0	$7,571,164	$1,073,771		$7,571,164
Post-grad (529 → Roth) · Lead / management	2076	61		$0	$8,201,245	$1,116,722		$8,201,245
Post-grad (529 → Roth) · Lead / management	2077	62		$0	$8,873,272	$1,161,391		$8,873,272
Post-grad (529 → Roth) · Lead / management	2078	63		$0	$9,589,778	$1,207,846		$9,589,778
Post-grad (529 → Roth) · Lead / management	2079	64		$0	$10,353,444	$1,256,160		$10,353,444
Post-grad (529 → Roth) · Lead / management	2080	65		$0	$11,167,101	$1,306,407		$11,167,101
Post-grad (529 → Roth) · Lead / management	2081	66		$0	$12,033,744	$1,358,663		$12,033,744
Post-grad (529 → Roth) · Lead / management	2082	67		$0	$12,956,540	$1,413,009		$12,956,540
Post-grad (529 → Roth) · Lead / management	2083	68		$0	$13,938,832	$1,469,530		$13,938,832