Retirement Cashflow Planning
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About this skill
Problem
Retirement planning often stalls on a vague question: is the money enough? This skill handles only the second step of retirement planning: retirement lifestyle planning and cashflow estimation. It does not estimate social security pensions, derive funding gaps, or recommend specific products. Its goal is to turn "how much will retirement cost?" into reviewable annual cashflows across three lifestyle standards: basic, dignified, and premium.
How It Works
The skill runs from fixed inputs: retirement city, retirement age, life expectancy, lifestyle standard, housing arrangement, and key preferences. Core calculations rely on the lifestyleCashflow field from scripts/pension_calculator.py; manual model calculations are used only for cross-checks. When the script is unavailable, the output marks the result as manually calculated and shows the formula substitutions.
It first covers 9 base lifestyle budget categories, including daily food, basic medical care, and housing costs, and separates fixed, semi-fixed, and flexible spending. A stage-based cashflow matrix then expands pressure items across non-overlapping age bands such as 60-64, 65-74, and 75-79, avoiding double-counting care costs in the initial retirement budget.
Boundaries
The output is a planning assumption, not official consumer statistics. When the client does not provide target monthly spending, the skill falls back to social wage expectations and lifestyle ratios. If local price samples are unavailable, it must label the input as an assumption rather than presenting model estimates as real city costs.
Use Cases
- Use the second retirement planning step to split one year of living costs into fixed, semi-fixed, and flexible items.
- Generate starting retirement budget and stage cashflow matrix across basic, dignified, and premium lifestyle standards.
- Adjust housing costs for owned housing, rental, or retirement community, then expand post-75 care pressure items.
- When local prices cannot be verified, mark the city cost checklist as assumptions instead of real prices.
Best For
- Financial planners handling the second retirement planning step, who need reviewable annual retirement cashflows.
- Business owners planning private retirement funding, who need to compare basic, dignified, and premium starting budgets.
- Adult children arranging parents' retirement lifestyle, who need stage-specific care costs by housing and preferences.
- Consultants reviewing retirement proposals, who need expense worksheets and city cost verification checklists.
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