Plan your savings for a work gap
Start with the bills you need to cover and the money you can use. A statewide wealth figure won’t tell you how long your own savings will last.
Count money you can access
List available cash and investments separately from home equity, vehicles and restricted accounts. Include debts when comparing household net worth. Some assets may be hard to use during a work gap.
The projection tool starts with $0 in accessible savings and investments. Enter the amount you could actually use.
Try a few scenarios
Compare your current spending with a temporary essentials-only budget. Try a longer gap, a lower return and a lower-paying next job.
The model leaves out taxes, benefits eligibility, fees, unexpected bills and the order of market gains and losses. Use the annual table to check how the inputs add up. It won’t predict what happens next.
Be careful with wealth comparisons
SIPP measures household wealth at a point in time. Age, housing, debt and household size all affect the comparison. A percentile doesn’t set a financial goal.
Texas estimates use a smaller survey sample, and we haven’t calculated confidence intervals. Stick to broad comparisons and avoid reading much into small differences.