Low income, limited financial buffer

Lower starting income with limited saving capacity and increased vulnerability to financial shocks.

What this scenario represents

Workers with limited earning capacity and reduced ability to absorb financial shocks through savings.

Core assumptions

Lower starting income with slower long-term growth
Very limited saving capacity
Higher vulnerability to unexpected expenses
Minimal financial buffer throughout most of the career

Results are most sensitive to

Unexpected income interruptions
Cost-of-living increases
Emergency expenses

Available comparisons

Each comparison varies one assumption at a time to show its long-term impact.