wealth retire derived

{
  "input": {
    "type": "http",
    "method": "GET",
    "queryParams": {}
  },
  "output": {
    "type": "json",
    "example": {
      "on_track": "behind",
      "disclaimer": "For informational purposes only. Projections are estimates based on assumed returns and are not guaranteed. Consult a licensed financial advisor or CFP for personalized retirement planning.",
      "action_plan": [
        {
          "rank": 1,
          "action": "Increase 401(k) contribution to the match-plus level",
          "impact": "~$820/month additional savings closes most of the gap over 23 years",
          "priority": "do_now"
        },
        {
          "rank": 2,
          "action": "Open a backdoor Roth IRA",
          "impact": "Adds tax-free growth on top of 401(k) contributions",
          "priority": "this_year"
        }
      ],
      "amazon_link": "https://www.amazon.com/s?k=retirement+planning&tag=pulsenetwork7-20",
      "gap_analysis": "Roughly $60,400/year short of the target retirement income of $96,000/year",
      "rate_context": "Current 10-year yields support a conservative return assumption in this projection",
      "amazon_search": "retirement planning",
      "account_strategy": "Max the 401(k) match first, then backdoor Roth, then taxable brokerage",
      "projected_nest_egg": "$890,000 at a 10% savings rate and 4% real annual return",
      "lendingtree_product": null,
      "years_to_retirement": 23,
      "investment_platforms": [
        {
          "url": "https://www.fidelity.com/retirement-ira/overview",
          "best_for": "Self-directed retirement investing with the lowest-cost index funds available",
          "platform": "Fidelity",
          "description": "Zero expense ratio index funds; best IRA selection; free trades; no minimums"
        }
      ],
      "on_track_explanation": "Current savings rate produces meaningful income but falls well short of the target replacement rate",
      "retirement_age_target": 65,
      "self_employed_accounts": null,
      "pension_buyout_analysis": null,
      "contribution_limits_2026": {
        "ira": "$7,000 ($8,000 if 50+)",
        "401k": "$23,500 employee ($31,000 if 50+)",
        "roth_ira_income_limit": "$146,000 (single, phases out above)"
      },
      "annual_income_this_generates": "$35,600/year using the 4% rule"
    }
  }
}