RECENT COLLEGE GRADUATE ASSUMPTIONS
+ Assume age at graduation = 22 years old
+ Assume a starting salary of $40,000
+ Assume a company 401K match of 4%
+ Assume annual pay increase of 3%
+ Assume married at age 28 and spouse makes same salary
+ Assume this "pay-yourself-first formula
- 5% of income ages 22-24
- 10% of income ages 24-27
- 15% of income ages 28-39
- 20% of income ages 40-65
+ Assume this investment rate of return
- 8% ages 22-54
- 6% of income ages 55-65

COLLEGE GRADUATE
Investing Projections
YOUR 401K			YOUR ROTH IRA			SPOUSE 401K			SPOUSE ROTH IRA
AGE	INVEST	VALUE	AGE	INVEST	VALUE	AGE	INVEST	VALUE	AGE	INVEST	VALUE
22		0	22		0	22		0	22		0
23		0	23		0	23		0	23		0
24		0	24		0	24		0	24		0
25		0	25		0	25		0	25		0