✦ 2027–2030 Vision

Hayden & Maddie's Financial Roadmap

A clear, exciting look at how we fund total peace of mind for our family of seven, buy a million-dollar business, and build our absolute dream backyard in Magnolia.

Take-Home
$31,434
Monthly net after fed taxes & FICA on $500k/yr.
Tithing
$3,143
Full 10% after-tax commitment prioritized first.
Family Living
$12,500
Covers the $5,500 mortgage plus all lifestyle spending.
Goal Surplus
$15,791
Pure free cash flow each month to fast-track our dreams!

The Monthly Breakdown

Category Monthly Annual Notes
Gross Earnings $41,667 $500,000 Baseline projected annual earnings
Taxes (Fed + FICA) -$10,233 -$122,800 Estimated tax burden (0% Texas state tax!)
Net Take-Home Pay $31,434 $377,200 Deposited into our accounts
Tithing -$3,143 -$37,720 10% After-Tax
Mortgage -$5,500 -$66,000 Home payment
Household Lifestyle -$7,000 -$84,000 Groceries for the five kids, utilities, family fun, travel, and day-to-day life
★ SURPLUS CASH ★ +$15,791 / mo +$189,490 / yr Our superpower for the next 2 years!

Our 4-Phase Game Plan (Completed in ~22 Months!)

Phase 1 Bulletproof Emergency Buffer
Goal: $75,000  •  Timeline: Months 1 to 5 (~4.8 months)
6 full months of complete living expenses set aside in cash. This creates total peace of mind for the whole family before taking on any big new ventures or construction projects.
Phase 2 Acquire $1M+ Business (10% SBA Down + Reserves)
Goal: $150,000  •  Timeline: Months 6 to 15 (~9.5 months)
Covers the equity injection ($100k) plus $50,000 for closing costs and working capital. Buying a high-cash-flow, established business secures a powerful new stream of income into our household!
Assumptions Owner Economics with a GM Running Day-to-Day
Every figure below is a planning assumption or estimate, not a verified fact. SDE = Seller Discretionary Earnings (pre-tax owner earnings). Confirm against the actual business's financials and a real lender quote before buying.
Item Estimate & math
Target SDE (est.) ~$300k-$400k/yr. Assumes a 2.5-3.5x SDE multiple on the ~$1M purchase price. Base case: ~$333k/yr at a 3.0x multiple.
GM salary (est.) ~$90k-$120k/yr (base case $105k). The GM runs the day-to-day, so Hayden keeps his W-2 sales job - the $31,434/mo take-home above continues untouched.
SBA 7(a) debt service (est.) ~$11,200-$12,400/mo on ~$850k-$900k financed over a 10-year term. Assumes a ~10% indicative rate (Sept 2026: Prime is 6.75% and variable 7(a) loans over $350k are capped at Prime + 3.0% = 9.75%, per current rate trackers). Base case: $875k @ 10% = $11,563/mo (~$138,800/yr).
NET TO FAMILY (est.) Base case: ~$89k/yr (~$7,400/mo) = $333k SDE - $105k GM - $139k debt. Full range: ~$40k-$175k/yr depending on SDE, GM pay, and rate.
Why it matters (est.): ~$7,400/mo stacks on top of the $15,791/mo W-2 surplus - roughly $23k/mo combined - pulling Phase 3 and Phase 4 forward and supercharging the Month 23+ investing phase, all while the W-2 budget stays exactly as planned.
Phase 3 Our Dream Backyard Pool
Goal: $85,000  •  Timeline: Months 15 to 20 (~5.4 months)
Paid 100% in cash! Complete in-ground pool ready for the five kids to swim with friends, making incredible memories and cooling off during those warm Magnolia summers.
Phase 4 Custom Deck & Covered Patio
Goal: $25,000  •  Timeline: Months 20 to 22 (~1.6 months)
Ties the entire outdoor retreat together with shaded lounging and dining space—the absolute perfect spot for smoking salmon and pork tenderloin by the pool on the weekends.

The Next Chapter (2029–2030)

By Month 22 (less than 2 years in!), every single goal above is 100% funded and debt-free. Starting in Month 23, our entire +$15,790/month surplus rolls straight into long-term investments—meaning we'll be investing over $189,500 every single year ($410,000+ over the remaining 26 months), plus whatever cash distributions flow from our new business!