Cash Flow Strategy: Savings Strategy

The question: Using the SAME dollars you're already saving, would a different savings vehicle — with different tax treatment, growth characteristics, or features — produce a better outcome over time? Enter your current strategy and an alternate strategy to compare.

Strategy Inputs

Current Strategy

Your existing savings approach

Monthly Savings Amount ($)How much you currently save per month

Savings Vehicle

Expected Annual Return (%)Before taxes, gross return

Annual Tax Rate on Gains (%)For bank/taxable: annual tax drag. For deferred: tax at withdrawal.

Time Period (Years)

Alternate Strategy

Recommended approach to evaluate

Monthly Savings Amount ($)Same dollars — redirected

Savings Vehicle

Expected Annual Return (%)Net crediting rate or projected return

Tax Rate at Distribution (%)0% for Roth/LIRP (tax-free access)

Time Period (Years)

Growth Comparison

Year-by-Year Comparison

Year	Cumulative Contributions	Current Strategy (After-Tax)	Alternate Strategy (After-Tax)	Difference

Strategy Inputs

Current Strategy

Alternate Strategy

Growth Comparison

Year-by-Year Comparison

Strategy Insight