A clear picture of where things stand — this can change as things settle
The Plan So Far
Where the Money Comes From
Primerica life insurance$361,000
MetLife (Western Christian)$29,500
MetLife may take longer to process
Granny suite cost is still being worked out with Grant — could be $35K up to $50K or more
depending on the final scope. The invested amount adjusts accordingly.
Monthly Budget
While at Yucaipa (Apr–Jul 2026)
After Move to Redlands (Aug 2026+)
Income
Piano lessons (10 mo/yr)$1,500–2,000/mo
Social Security (at FRA, Aug 2028)~$1,600/mo
Piano covers Redlands expenses on its own. Once Social Security starts,
income is ~$3,100–3,600/mo vs ~$1,860 expenses.
The investment stays untouched and growing.
Investment Growth
Starting with the invested remainder, growing at 7% per year
Safe Withdrawal Rates
Rate
Monthly
Annual
Outlook
Piano + Social Security should cover your regular monthly expenses,
so the investment can keep growing in the background. But this is your
money — if your church has a big fundraiser, or you want to help
someone, or you need something for yourself, it's there for you.
The whole point is peace of mind: a safety net for the future
(like assisted living someday) and freedom to be generous now.