Household profile is the single home for facts about real people: who's in the household, tax situation, current income, and housing. Settings and the Retirement plan read these facts rather than creating competing copies.
It has two doors, and they are one editor. The Household profile page under
Planning is its own destination: a sidebar row carrying a completeness ring, a
⌘K search result, and the address #/profile you can bookmark or return to with
Back. The panel opens over whatever page you are on, from the command
palette's Edit Profile action or an Open profile / Set in Profile
link wherever a page needs a fact the profile holds, so you never lose your
place in a half-edited plan.
Both show the same unsaved work. An edit typed in the panel is already on the page behind it, and neither can overwrite the other's unsaved changes: opening the panel never re-reads the stored profile over what you have typed, and closing it keeps what you typed rather than throwing it away. Save profile, from either one, saves everything you changed in both.
What lives here, and what reads it
- Household: each person's name and birth date. An Individual retirement account's one owner supplies its RMD clock. A Joint Brokerage links both people but remains one taxable account and has no RMD route. Every age-keyed rule about a person reads the birth date from here, not from the Retirement plan: their ACA→Medicare transition, their Medicare enrolment, and the 65+ deduction. The Retirement plan's "spouse's age now" field is a planning knob for a second earner's saving and Social Security claim. Moving it explores a what-if; it does not change when a real person turns 65.
- Taxes: filing status, state rate, the taxable embedded gain, assumed capital-gains rates, and lot method.
- Income: salary and contribution percentages, Social Security, an HSA contribution, pensions, and passive income.
- Housing & health: current rent or home costs, coverage, premium, and out-of-pocket medical spending. Scenario-specific ACA, Medicare, and IRMAA choices remain in the Retirement plan.
People and account ownership
Accounts is the editable home for an account's legal registration. Brokerage may be Individual or Joint when both Household profile people exist. Retirement and specialty accounts always select one individual person; filing jointly never makes those accounts Joint.
Removing a spouse is blocked while any Joint Brokerage still links that person. The Joint accounts use this person dialog names the count and routes Review accounts to Accounts. Reclassify every affected account to an Individual owner, then return to Household profile and remove the spouse.
Draft and scenario rules
Editing Household profile never rewrites an existing saved plan: plans snapshot their assumptions, while new plans seed from current Household profile facts. Household profile money facts use today's dollars, matching the Retirement plan's real-dollar engine.
The four section buttons edit one draft. Left/Right, Home, and End move through the tablist; changing sections preserves unsaved entries, and one Save profile commits the whole draft, from either door.
Unsaved work is protected. Navigating away (a sidebar row, a link, Back or Forward) asks Save · Discard · Stay once, wherever you are, and Stay leaves you exactly where you were. Discard changes throws the draft away deliberately and shows the stored profile again. If a save is refused partway through, what was written is stored and stops reading as unsaved, the rest stays unsaved, and the message says which write was refused; saving again re-sends the whole profile.
A birth year you have typed but that can't be stored, meaning anything outside 1901–2099, stops the save and says so, for you or for your spouse by name. Leaving it blank is still fine: the Household profile is where a fact is allowed to be unanswered. What nudges for it while a fact is still missing is the ring on the sidebar's Household profile row, the Overview attention item beside it, and the onboarding checklist bar's Open profile prompt. All three read the SAVED profile, so they move when you save and not before. What is no longer possible is a save that appears to succeed while quietly discarding the year you just entered, which left Retirement plan gated with nothing on screen to explain why. The guided wizard's About step applies the same rule, and additionally requires a birth month before it will continue.