Case Studies

Real-world financial planning scenarios analyzed with monteplan. Each case study defines a persona, explores key decisions, and provides actionable takeaways.

Interactive Notebooks

For hands-on exploration, see the Notebooks section. The FIRE and Retiree case studies are available as runnable notebooks.

Case Studies

FIRE at 45

Alex, 30, aggressive saver. Can early retirement at 45 work with $3,500/month spending? Explores the impact of spending levels, retirement age, spending policies, and market crashes on a 45-year retirement.

Coast FIRE

Jamie, 35, has $480K saved and wants to stop contributing entirely. How far can compound growth carry the portfolio to a traditional retirement at 60?

Conservative Retiree

Pat, 60, nearing traditional retirement with $700K and Social Security. Examines the outsized impact of guaranteed income, glide paths, tax model choice, and inflation sensitivity.

Guardrails vs Constant Spending

A head-to-head comparison of the two most popular spending strategies. When do guardrails justify their added complexity?