You have ten thousand futures. Meet the median.

Instead of guessing one future, Lemonte plays out your financial life 10,000 times — each with different luck — and shows the whole range of how it could go.

1. Year by year.Income comes in; taxes, spending, and loan payments go out; whatever’s left gets invested; life events (home, kids, wedding…) hit when scheduled. Then it tallies net worth = savings + investments + home equity − debts.
2. Roll the dice. Each year the market return (~7%), inflation (~2.5%), and your raise (~3%) are drawn randomly from a bell curve — so good years and bad years both show up, and your investments compound on whatever they land on.
3. 10,000 lives. Every run gets a different sequence of good and bad years, giving 10,000 possible outcomes for each future age.
4. Sort the results. Line them up to read the middle (most likely), the lucky top 10%, and the rough bottom 10%. That spread is the fan — and the Paths view shows a sample of the individual lives behind it.

Why not just use an average? A single average return hides that the order of good and bad years matters — a market crash in your 30s hurts far more than the same crash at 60. Trying thousands of orderings captures that risk instead of pretending it away.

Lemonte is an educational forecast built on simplified assumptions (a flat effective tax rate, the 4% rule for retirement, US-style defaults) — not financial advice.