Nomad example

Sam & River. Earning in motion.

Remote-first couple — one runs a design consultancy, one writes software. They want to spend their working-to-retirement decade rotating through 5 countries, keep a paid-off home base in Portland, and settle permanently in Florida when aging in place becomes the priority in their 70s.

Ages 52 & 50 Home base Portland, OR Retirement 2030 (both) Rotation 2034 · 2043
Plan verdict
Snapshot of what Forecast4 shows on their Dashboard today.
Year 2026 · Mid scenario
Monte Carlo success
91%
1,000 simulations · $350K target end balance
On track
Starting wealth
$2.28M
$1.2M taxable · $860K pre-tax · $220K Roth · $180K savings
Current earned income
$223K
Remote-first · both stop 2030
Rotation savings
~$180K
Lower cost-of-living vs staying put · 2034 · 2043
COLA-adjusted
Social Security · combined
$70,500 / yr
Sam $42K at 67 · River $28.5K at 67 · 2.6% COLA · first claim 2041
Claim age locked
Home base equity
$1.10M
Portland · paid off · sells 2033 → savings
Late-care buffer
$400K
Protected from rotation budget · Naples condo purchase funded separately
Funded
Location rotation
Six chapters. Each with its own cost-of-living multiplier, housing cost, workspace, and transition cost — all feeding the same phase ledger.
Rotation ledger 2026 · 2055
New York · Home Base
2026 · 2033
COLA 1.00×Housing ownedWorkspace $0
Lisbon, Portugal
2034 · 2035
COLA 0.66×Housing $2,200/moCo-work $250/moTransition $8,000
Mexico City, Mexico
2036 · 2037
COLA 0.52×Housing $1,800/moCo-work $200/moTransition $4,000
Chiang Mai, Thailand
2038 · 2040
COLA 0.58×Housing $1,400/moCo-work $180/moTransition $5,000
Florence, Italy
2041 · 2043
COLA 0.79×Housing $2,400/moCo-work $220/moTransition $6,000
Naples, FL · Aging in Place
2044 · 2055
COLA 0.92×Housing $3,400/moCondo purchase $520K
Four phases, one ledger
The rotation rides on top of the same four-phase engine every Forecast4 plan uses.
Phase 01
Accumulation
2026 · 2030
Final earning years in Portland. $36K/yr to retirement accounts. 529 funds kids' college windup.
Phase 02
Tier 1 · Active
2034 · 2043
Rotation years. Portugal → Mexico → Thailand → Italy. 20–50% COLA savings reinvest into runway and late-care buffers.
Phase 03
Tier 2 · Slowing
2044 · 2049
Settle in Naples. Condo purchase. Rotation ends. Family obligations wind down. Discretionary tier compresses.
Phase 04
Tier 3 · Late Care
2050 · 2055
CCRC buy-in for Sam ($300K, 2046). Home health aide for River. LTC insurance offsets 3–4 years of monthly costs.
Key moments
The inflection points Forecast4 tracks and alerts on.
2030
Retirement + inheritance · $175K
Both retire. Family trust distribution same year. Inheritance routed to taxable brokerage to fund the first 4 years of rotation before portfolio draws begin.
2033
Home base sale · $1.1M
Portland home sells before the rotation starts. Proceeds go to savings — covers multi-country housing and transition costs.
2034
Rotation begins · Lisbon
First international chapter. 0.66× COLA multiplier. Portfolio draws reduced ~34% vs staying put. Net savings compound into the late-care buffer.
2041
Social Security turns on
Sam claims at 67 — mid-rotation in Florence. Portfolio draw drops materially. Plan shifts to SS + portfolio blend.
2044
Rotation ends · Naples condo
$520K condo purchase, 60% down. Rotation budget converts into a stable housing line. Aging-in-place phase begins.
2046
CCRC buy-in · Sam
$300K entrance fee, $5,200/mo. Late-care buffer covers 4-year reserve; LTC insurance covers 3 years. Naples condo becomes the discretionary-income hedge.
Model your own Nomad rotation

Build a multi-country plan with COLA multipliers, workspace costs, transition costs, and a clean aging-in-place landing — all on the same phase ledger as Household plans. Start free at Level 1.

See plans See the Household example

Persona, dollar figures, cost-of-living multipliers, and scenarios are illustrative only. Not a recommendation. Forecast4 is a planning tool, not investment advice.