02 / The Paths
Explore what different financial choices could mean for your life.
Compare two possibilitiesTwo illustrative scenarios
Both charts share the same starting position, years and scale. Category changes are assumptions, not a funded financial plan.
Assets above zero; debt below. Navy dots mark net worth.
Assumed total changes · five years
| Position | 2026 | 2027 | 2029 | 2031 |
|---|---|---|---|---|
| Property | €103,000 | €107,120 | €115,360 | €123,600 |
| Investments | €27,200 | €30,464 | €36,992 | €43,520 |
| Cash | €16,550 | €17,543 | €19,529 | €21,515 |
| Debt | €41,600 | €39,936 | €36,608 | €33,280 |
| Net worth | €105,150 | €115,191 | €135,273 | €155,355 |
Assumed total changes · five years
| Position | 2026 | 2027 | 2029 | 2031 |
|---|---|---|---|---|
| Property | €103,000 | €105,060 | €109,180 | €113,300 |
| Investments | €27,200 | €32,640 | €43,520 | €54,400 |
| Cash | €16,550 | €18,536 | €22,508 | €26,480 |
| Debt | €41,600 | €38,272 | €31,616 | €24,960 |
| Net worth | €105,150 | €117,964 | €143,592 | €169,220 |
Both start at the fictional Mirror closing position: €103,000 property, €27,200 investments, €16,550 cash and €41,600 debt. The percentages show the assumed total change in each category by 2031, not an annual return or a recommendation.
Intermediate positions are spaced proportionally by elapsed time between the starting and ending amounts. This is a schematic comparison, not a funded financial plan. Income, spending, contributions, financing, fees, taxes and inflation are not modelled; neither scenario is a calculated forecast. No probability, risk rating or guarantee is implied.
Category names and exact positions are available in each chart’s figures. Amounts reconcile as assets less debt; these fictional scenarios are independent of personal financial records.
A separate tax illustration
Lower taxable income moves the marker left. This example is independent of Scenarios A and B: it does not calculate their tax or cashflow.
A lower taxable income can reduce total tax without changing the marginal rate.This invented teaching tariff is zero through €12,000, then rises from 14% to 42% at €70,000 and stays at 42%. Total tax is the area under the curve, not the marginal rate multiplied by all income.
Marginal rates: 39.10% → 35.24%. Exact annual tax: €13806.90 → €10833.10.
No deduction eligibility is assumed. Real rules, credits, contributions and personal circumstances require a separate assessment. These amounts do not feed the wealth charts.
Monthly cashflow, expenses and taxes matter too — alongside flexibility, risk, liquidity, time and your goals.