{"success":true,"testimonials":[{"id":1,"story":"I have a military pension, TSP, a civilian job, and my wife doesn't work. Tried 3 other calculators and got 3 different answers. This one let me plug in all the pieces and actually showed me why - I wasn't accounting for the pension COLA right.","name":"James R.","age":56,"location":"Tampa, FL","type":"pre-retiree"},{"id":2,"story":"We make good money but had no idea if we were on track. Typed in our situation and got a clear answer: 52 if we stay on track. Nice to finally have a number.","name":"Marcus T.","age":35,"location":"Austin, TX","type":"fire"},{"id":3,"story":"I was losing sleep wondering if we'd saved enough. Ran the market crash scenario - 40% drop right after I retire. Turns out we'd still make it. That helped.","name":"Patricia H.","age":58,"location":"Phoenix, AZ","type":"pre-retiree"},{"id":4,"story":"We wanted me to stay home with the kids but were scared it would wreck our retirement. Ran the numbers - only pushes retirement back 2 years. That made it easier to decide.","name":"Sarah M.","age":36,"location":"Chicago, IL","type":"general"},{"id":5,"story":"I'm 27 with student loans, a toddler, and no idea where our money goes. Described my situation to the AI and it built my profile in 2 minutes. At least now I can see where we stand.","name":"Michael K.","age":27,"location":"Columbus, OH","type":"young-professional"},{"id":6,"story":"Couldn't figure out when to take Social Security. Tested claiming at 62 vs 67 vs 70 and saw exactly how each choice plays out over 30 years. Going with 67 now.","name":"Robert J.","age":61,"location":"San Diego, CA","type":"pre-retiree"},{"id":7,"story":"I was about to start Roth conversions with no real strategy. The scenario showed me I'd bump into a higher tax bracket converting too much at once. That mistake would've cost me thousands.","name":"Kevin W.","age":47,"location":"Seattle, WA","type":"fire"},{"id":8,"story":"My wife works mainly so we keep health insurance until Medicare kicks in. Modeled what happens if she retires early with COBRA costs - now we know exactly when she can stop.","name":"David L.","age":60,"location":"Denver, CO","type":"pre-retiree"},{"id":9,"story":"Every financial app wants my bank login and sells my data. This one runs entirely in my browser - nothing leaves my computer. That's the only reason I trusted it with real numbers.","name":"Lisa N.","age":44,"location":"Minneapolis, MN","type":"general"},{"id":10,"story":"Kids are gone, house is too big. Tested selling and downsizing at 65 - turns out the freed-up equity lets me retire 3 years earlier. Worth looking into.","name":"Jennifer K.","age":57,"location":"Portland, OR","type":"pre-retiree"},{"id":11,"story":"I'm 20 working part-time and had no idea if I was even doing the right things. Plugged in my $10k savings and it showed me: just keep going. Seeing the 40-year projection made it real.","name":"Tyler B.","age":20,"location":"Boise, ID","type":"young-professional"},{"id":12,"story":"We make $1M combined but want two kids and to retire at 45. Ran the numbers - it's actually doable if we keep our spending where it is. Good to know.","name":"Alex & Jordan P.","age":30,"location":"San Francisco, CA","type":"fire"},{"id":13,"story":"I had money in Robinhood, Schwab, Coinbase, an old 401k, a Roth somewhere. Total mess. Entered it all and finally saw my actual number. Turns out I'm further along than I thought.","name":"Chris M.","age":42,"location":"Atlanta, GA","type":"general"},{"id":14,"story":"My husband wants to retire next year at 46. I'll keep working until 60 for the pension. We needed to see how that handoff works financially. Now we have an actual plan.","name":"Rachel & Tom S.","age":40,"location":"Boston, MA","type":"general"},{"id":15,"story":"We're 58, make $136k combined, still have credit card debt. Wasn't sure retirement was even possible. Modeled paying off the cards first - looks like we can retire at 64.","name":"Linda & Steve W.","age":58,"location":"Cleveland, OH","type":"pre-retiree"},{"id":16,"story":"Set up a trust years ago but never really understood what it would mean for our kids. Seeing how the estate gets divided based on growth and beneficiary designations made it real. Adjusted a few things with our attorney after.","name":"Barbara","age":64,"location":"Scottsdale, AZ","type":"pre-retiree"},{"id":17,"story":"Always wondered if we were behind or ahead for our age. The comparison feature showed we are actually in pretty good shape relative to similar households. Stopped stressing about keeping up with the Joneses.","name":"Marcus","age":41,"location":"Denver, CO","type":"parent"}]}