Peak Earnings
Dual-Income Dan & Dana
VP Finance & Senior Product Manager · New York, NY
Two high incomes, two 401(k)s, two opinions on money. Zero coordination.
About Dual-Income Dan & Dana
Dan earns $200k as a VP of Finance. Dana earns $120k as a Senior PM. They have two 401(k)s, two IRAs, a joint brokerage, and separate spending accounts. They have never sat down and built a unified financial plan. They know they are leaving money on the table — they just do not know how much.
Financial Snapshot
$320,000 (household)
Annual Income
$650,000
Net Worth
39
Age
Dual-Income Dan & Dana's Story — 2 Chapters
The Coordination Problem
Dan and Dana map their combined finances for the first time. They discover they are both contributing to Traditional 401(k)s despite being in the 35% bracket, they have $45k sitting in a savings account earning 0.4%, and they have never run a backdoor Roth. The model shows the annual tax cost of their incoordination.
Uses: roth-vs-traditionalThe Mega Backdoor Roth(Coming soon)
Dan's 401(k) plan allows after-tax contributions with in-plan Roth conversion — the mega backdoor Roth. He can contribute an additional $43,500/year in after-tax dollars. The model shows the 20-year impact.
Uses: mega-backdoor-roth