The person behind the numbers
I'm a software engineer, and in 2025 I was "presented" the opportunity to retire early from the federal government. The timing was terrible — my wife and I had bought a house barely four months earlier. Could we afford for me to stop working? Was there enough saved? Would the pension carry us?
I answered those questions the way most engineers would: I built a spreadsheet. It projected our income, expenses, and accounts years into the future, and it gave us the answer — I retired. But the spreadsheet was fragile. Change a mortgage payment to test a scenario, forget to change it back, and the whole projection silently lied to you. A year later, when I was weighing whether to go back to work for a few more years, I opened it again and remembered how easy it was to corrupt.
So I built HoneyPlan — the tool I wished I'd had: a living, month-by-month cash flow projection where you can click any number and see exactly what's inside it, and toggle scenarios on and off without breaking anything. The full story is in Why HoneyPlan?
The case studies on this site take real questions people ask on personal finance forums and answer them with a live projection instead of opinions. Every case study embeds the actual model — you can toggle the scenario, click the cells, and check the math yourself.
That last part is the point. I'm not a financial advisor, and nothing on this site is financial advice. What I offer is arithmetic made visible: here are the inputs, here's the projection, here's what changes when you flip the switch. You don't have to trust my conclusions — the model is right there.