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Ages 31–45Stage 7 of 11
Adults & Married
Scaling & Protecting
Manage dual incomes, scale businesses, acquire real estate, and protect your growing family.
Peak Earning & Family Building Years
Term Life Insurance
If anyone depends on your income, get a 20- or 30-year term policy. Coverage of 10–12x annual income is a common target. Lock in rates while young and healthy.
Will & Healthcare Directive
A basic will designates guardians for minor children and directs asset distribution. A healthcare directive ensures your medical wishes are followed if incapacitated.
Real Estate Investment
Beyond your primary residence, consider rental properties for passive income. Track mortgage paydown, rental yields, property depreciation, and 1031 exchange opportunities.
Business Scaling & Tax Strategy
SEP IRAs allow up to 25% of net business income (max ~$69k/year) in tax-deferred retirement savings. Solo 401(k)s offer even more flexibility. Structure your business for tax efficiency.
Multi-Stream Income Tracking
W-2 salary, business income, rental revenue, dividends, and side projects — track all income streams and their tax implications in one dashboard.