What you'll learn
This topic takes the question behind most financial anxiety — am I behind? — and replaces the generic benchmark with an answer built for your household.
Salary multiples by age were never derived from economics. You'll see exactly what they ignore — human capital, Social Security, household composition, your actual retirement plans — and why that makes them useless for you.
The life-cycle model starts from your lifetime resources and computes your sustainable living standard. This year's saving falls out of that plan. You'll learn to run the logic in the right direction.
You'll follow Steve — 23 years old, $54,000 salary, $6,000 to his name — and see why the model says he's on track while the benchmark chart says he's nowhere.
Human capital, career changes, and the real price of a rainy-day fund. Two people the same age with the same balances can have genuinely different right answers — you'll see why.
The topic closes with a step-by-step MaxiFi Planner setup — the exact screens, settings, and reports that answer "how much should I have saved by now?" for your household.
A free 1:1 session with Professor Puelz — for students who complete the topic
Finish the course and score 7 or higher on the closing quiz, and you unlock a free 15-minute live Zoom session with Professor Robert Puelz — focused entirely on your saving question and situation.
This is not a webinar or a group call. It is a 1:1.
Scheduling is simple: after you pass, a form appears inside the course. Fill in a few good times and a sentence about what you want to discuss, and your request goes straight to the Moneygimme team.
Unlock this topic
This is a standalone topic — you don't need to have completed Path 1 or Path 2 first. If the savings-by-age charts have been eating at you, start here.
You'll get the full lesson sequence, the life-cycle savings framework, the step-by-step MaxiFi setup, the closing quiz, and — after you pass — the chance to schedule a 1:1 Zoom session with Professor Puelz to talk through your own situation.
Price: One-time purchase of $99 for full access.
After purchase, you'll receive access instructions by email.
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