Build a Career Break Financial Planning Tool

1. 1

   Model the costs people forget

   Health insurance premiums off employer coverage, tax bracket changes, retirement contribution gaps and their compounding cost, and the re-entry buffer (the months between wanting a job and signing one). The forgotten costs are the tool's credibility.

2. 2

   Make the output a plan, not a number

   A date ('you can leave in 14 months'), a monthly savings target, and a runway chart with a conservative and optimistic band. People share and act on plans; naked numbers just scare them.

3. 3

   Stay on the education side of the line

   Present scenarios and information, not individualized investment advice; a plain disclaimer and a referral path to fee-only advisors for the complex cases keeps you clean and creates a partnership channel at the same time.

4. 4

   Win the searches the tool answers

   'Can I afford a sabbatical', 'health insurance between jobs cost', 'mini retirement planning' are exactly-matched queries. Each article embeds the calculator; the calculator captures the email; the email nurtures toward premium.

5. 5

   Charge for depth and updates

   Free headline answer; paid tier with the full plan, scenario comparisons (six months versus a year, with-partner versus solo), and quarterly plan refreshes as life changes. Price like a book, renew like software.

6. 6

   Partner where breaks are born

   Burnout coaches, therapists' resource lists, severance-transition programs, and travel communities all meet people at the moment of decision; referral partnerships there beat generic ads.

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