Edit scenarioLawyer (undergrad + law school)
Education phases
Costs are per-year in today's dollars; each phase inflates at its own rate from the current year.
529 → Roth IRA (SECURE 2.0)
Lifetime cap is $35,000 under current law and is not indexed; the 15-year account rule and the 5-year seasoning of contributions are enforced by the model automatically.
Drawdown → taxable brokerage
Once the Roth lifetime cap is fully used (or rollover is off), the leftover can't ever reach a Roth — so it's withdrawn as a non-qualified distribution: the earnings portion takes income tax + the 10% federal penalty, and the net moves to a normal taxable brokerage. Pull %/yr = 100 liquidates it the year the cap fills; lower it to glide the drawdown across years and soften the tax-year hit.
Student working part-time
Part-time work during school (a campus or part-time job). After-tax pay goes into a taxable brokerage, not the 529 — so it never rolls to the Roth, and it's spent on college only after the 529 is exhausted (consumed last). It grows at the brokerage return set above. Leave works until age blank to work through the last school year.
Student loans
When the 529 + brokerage can't cover a school year, the gap is borrowed instead of shown as a shortfall: federal first (up to the annual cap), then private. She repays a fixed share of her salary each year — left blank, that share is the standard 10-year minimum as a % of her starting salary, so payoff accelerates as her income climbs.
Career & salary
New-grad salary (today's dollars, inflated to graduation), with annual raises. Career stages are built in — associate → senior → partner → owner — stepping income up and adding an ownership equity stake at partner and owner. Each year taxes + living come out and loans are paid; whatever's left is saved into the brokerage and compounds, so net worth reflects a typical earner — not just school assets + equity.