Case Studies
Each person’s circumstances are unique - even two people with the same Pudding Score™ may have very different personal and financial situations.
Here we outline just a few examples of how different people use the Pudding Index™ to calculate their Pudding Score™ and make plans for their retirement income.
After reviewing these examples, click the button below to calculate your own Pudding Score™…
Example No. 1 — Robb
- Robb: Age 35
- Pay: $40,000/year
- Total DC Account Balances: $22,000
Rob's Score
47
Robb’s Pudding Score™ is now 47, but appears
to be headed south. He has believed a 5% of pay saving rate would lead
to a comfortable retirement. Based on his score, Robb is re-thinking
his notion about retirement savings.
Example No. 2 — Erik
- Erik: Age 45
- Pay: $90,000/year
- Total DC Account Balances: $390,000
Erik's Score
162
Erik sleeps peacefully knowing his Pudding Score™
is 162. His goal is to retire at age 62. Erik's high score suggests his
goal may be achievable.
Example No. 3 — Charlotte
- Charlotte: Age 55
- Pay: $75,000/year
- Total DC Account Balances: $324,000
Charlotte's Score
95
Charlotte learned of the Pudding Index™ from her
daughter five years ago. Charlotte’s Pudding Score™ then was 87.
Unsatisfied with the path she was on, she began putting 12%
of pay into the hospital’s 403(b) plan each year and her score
improved.