Micro-retirement cash-flow checklist | Yi Hang Micro-Retirement Notes

YOUR MONTHLY PICTURE

What is the monthly gap?

Enter spending, income from the work you intend to keep, and other reliable income. Do not treat uncertain projects, investment returns or option Premium as guaranteed monthly income. Test uncertain income separately with cautious assumptions.

Based on your inputs

Monthly spending—

Reliable monthly income—

Monthly cash-flow balance—

Buffer coverage—

Stress test: work income falls 25%

Adjusted monthly balance: —

Approximate buffer coverage: —

Change the inputs to see the balance.

Coverage is simple division assuming an unchanged monthly gap. It is not a safe-retirement horizon or success probability. It does not forecast inflation, unexpected costs, taxes or investment prices.

A CHECKLIST FOR REAL LIFE

Then check the life arrangements.

Micro-retirement involves work, health and relationships as well as money. Tick the items you have considered and note any unanswered questions. Inputs and ticks are not saved or sent to a server.

Cash flow and work

Separate essential and adjustable spending.
Estimate income from the amount of work you want to keep, not an ideal income.
List the spending or work changes you could make if income fell.
Think separately about near-term living money and long-term investments.
Know where the buffer is held, who can access it and when to replenish it.

Health and protection

Will healthcare or insurance arrangements change when your work changes?
Does the budget include check-ups, medication and potential care needs?
Does your work schedule leave time for rest and exercise?
Who could support you if your health changed?

Family, friends and life

Which important relationships would you like to make more time for?
Do your partner or family understand changes in income, time and responsibilities?
Have you budgeted for caring duties, shared expenses and debt obligations?
Beyond work and investing, what would you do with the extra time?

Downside scenarios and alternatives

What is the first practical adjustment if work income is lower than expected?
How would you pay a large one-off expense?
If markets fell, would you still need to sell long-term investments for daily costs?
When will you review the budget, before the cash runs out?

Health

Do time and resources support your wellbeing, not just your bills?

Money

Do income sources, spending flexibility and reserves fit your circumstances?

Relationships

Who do you want to make time for, and have you discussed the changes together?

Clarify the questions—not a verdict on your future.

A large gap does not automatically rule out micro-retirement. It is a reason to revisit work choices, spending, income sources and the pace of change. Do not assume that markets will supply a fixed monthly income to fill it.

Explore cash flow and investment risk.Read the cash-flow planning guide ↗

General education only, not personalised investment, financial, legal or tax advice. The calculator uses your inputs for simple arithmetic. It does not transmit or save them, predict investment returns, assess retirement safety or recommend a buffer size. Consider your circumstances and consult qualified professionals where needed.