Save partial income → let it grow → then cash out and spend down your asset → leave the remainder存下部分收入 → 让它增长 → 再取现、消耗资产 → 留下剩余
Save all income → let it grow entirely → never cash out but spend other people's money → amplify estate transfer存下全部收入 → 让它完整增长 → 永不取现，改花别人的钱 → 放大财富传承
Side-by-side: pay cash needs from your assets, or borrow against an insurance policy and let assets compound untouched.并排对比：从资产中取现支付开销，还是以保单为抵押借款、让资产不受打扰地继续复利。
Three buckets in motion: income fills the asset bucket, borrowing against it buys Airbnb property, and the rental income pours back in — self-financing, year by year.三只水桶同时运转：收入注入资产桶，以其为抵押借款购入 Airbnb 物业，租金收入再回流 —— 逐年自我融资。
Regardless of what your goal is, there is always a solution here to fit your lifetime financial need.无论您的目标是什么，这里总有一套方案，契合您一生的财务需求。
The sticker price is not your price. Find the handful of parameters that decide your out-of-pocket share — and learn how to shrink it.标价并不是您真正要付的价。找出决定自付额的那几个关键参数 —— 并学会把它降下来。
Work backwards from the retirement income you want to the single deductible deposit that funds it — and see the deduction it buys this year.从您想要的退休收入倒推，算出供款方案 —— 并看到它今年带来的税务抵扣。
Local, offline tools — no data leaves your machine. To add a calculator, drop a new page in calculators/ and link it here.本地离线工具 —— 您输入的数据不会离开本机。要新增计算器，在 calculators/ 放入新页面并在此链接即可。