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Finances

Replaying one retirement plan across every start year since 1928: the simulator, the agent pipeline behind it, and 98 lives ending broke or on $5.8 million.

4 parts

  1. Part 1

    Teaching an AI to run retirement experiments

    retire-sim replays every historical start year since 1928, grades strategies on earliest safe retirement age, and lets Claude Code run the experiments.

    11 min read

  2. Part 2

    My simulator watches retirement YouTube for me

    A text-file queue, a transcript script and two Claude Code skills turn retirement videos into three experiment rows, a verdict and a channel scoreboard.

    10 min read

  3. Part 3

    Same plan, same spending. Broke, or $5.8 million.

    One textbook retirement plan replayed across 98 historical start years, from 1928 on. Four of those lives, and what sequence-of-returns risk really means.

    9 min read

  4. Part 4

    Real taxes, less hearsay

    My simulator's flat 5% tax knob was hearsay. A real tax engine measured 22%, the knob went to 15%, and asset location beat every Roth conversion video.

    13 min read