Physician 50 Year Wealth Engine - Secure The Funding

Doctor profile

Starting income ($)

Income growth (%/yr)

Filing status

State tax rate (%)

Career start age

Simulation years

View at year: 30

401(k) — both paths

Annual contribution ($)

Employer match (%)

Match cap (% of salary)

Portfolio return (%/yr)

Primary residence — both paths

Home price ($)

Mortgage rate (%)

Home appreciation (%/yr)

Traditional down pmt (%)

Wealth Engine — investment properties

Avg property price ($)

Avg monthly rent ($)

DSCR rate (%)

Property appreciation (%/yr)

Down payment per property (%)

Annual expenses (% of rent)

Cost seg fee per property ($)

Bonus depreciation (%)

Buy new property every N years

Snapshot at year 30

Traditional NW

—

401K + home equity

Wealth Engine NW

—

401K + RE equity

Wealth advantage

—

extra wealth created

Properties owned

—

Wealth Engine path

Trad taxes paid

—

cumulative

Tax eliminated (WE)

—

redeployed to RE

RE portfolio value (WE)—

RE portfolio equity (WE)—

Tax capital reinvested (WE)—

The 3-path divergence

Both paths max the 401(k) with full employer match at a bullish 10%/yr return. The gap is entirely what happens to the tax bill every April.

Wealth Engine: Cost seg eliminates the tax bill. That capital buys the next DSCR property. Rent pays the mortgage. Equity builds. Repeat every 2 years.

Traditional: Taxes paid in full, home paid off in 30 years, 401(k) grows. Solid — but the tax drag compounds against you for 50 years.

Annual tax burden

Year	Income	Marginal Rate	Tax Bill	After-Tax

Primary home (conventional, 20% down)

401(k) at yr —

—

Home equity at yr —

—

Total taxes paid

—

Total net worth

—

Tax summary

Retirement income (traditional)

Every year, cost seg studies eliminate the tax bill. Savings redeploy into the next DSCR property. Rent covers the mortgage. Equity compounds. The portfolio grows without any additional out-of-pocket capital beyond what was already being paid in taxes.

Property acquisition timeline

Annual tax elimination (sample years)

Year	Income	Tax Eliminated	Redeployed Into	Props

401(k) at yr —

—

RE equity at yr —

—

Tax eliminated total

—

Total net worth

—

Annual rental income progression

Retirement income (Wealth Engine)

Wealth advantage at year 30

—

extra net worth by choosing the Wealth Engine path

Traditional NW

—

Wealth Engine NW

—

Taxes paid (trad)

—

Tax eliminated (WE)

—

Where wealth comes from — traditional

Where wealth comes from — Wealth Engine

Monthly retirement income at selected year

Traditional

Wealth Engine

Highlighted row = selected year. Scroll horizontally for all columns.

Yr	Age	Income	Trad Tax	WE Tax	Tax Saved	Trad 401K	WE 401K	Trad Home Eq	WE RE Equity	Props	Trad NW	WE NW	Gap

Physician 50-YearWealth Engine

Physician 50-Year
Wealth Engine