Sustainability → Structure → Stress Test Mode
Designing income with discipline.
The Income Engineering Model determines how income should be drawn and structured, so lifestyle needs are met without undermining long‑term capital sustainability. It replaces rules‑of‑thumb with clear, comparable multiples that anchor income decisions in reality.
TWO MODES. ONE DISCIPLINE.
SUSTAINABILITY MODE
Required Capital ÷ Annual Expenses
• Expresses income needs as a years‑of‑expenses multiple
• Answers: Capital required to sustain the lifestyle
• Anchored to real (inflation‑adjusted) return assumptions
“How many years of expenses you need saved or invested for income to last forever.”
ACCUMULATION MODE
Projected Future Capital ÷ Today’s Capital
• Expresses growth as a capital multiplier
• Answers: Expected capital growth over time
• Enables disciplined comparison across strategies and timeframes
“How many times your capital is expected to grow over time.”
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