The real math behind your money · by Money Quest Lab
Depreciation assumes ~15%/year (industry average). Actual varies by make/model.
Based on the 4% safe withdrawal rule (Trinity Study). Assumes consistent monthly contributions.
2026 federal brackets (single filer, standard deduction $15,700). FICA: 6.2% SS (up to $176,100) + 1.45% Medicare.
Data: US CPI-U (Bureau of Labor Statistics via FRED). Shows what a fixed dollar amount can buy over time.
Simplified comparison: does not account for taxes on investment gains, which would favor debt payoff further.