Software-based lifestyle management tool

A system comprising:

• at least one processor;
• and
• a storage medium with instructions stored thereon, which when executed by the at least one processor cause the at least one processor to:
• determine a first work optional date, wherein the first work optional date is a date in which a user's retirement income is greater than a user's expenses;
• receive past health characteristics of the user, current health current characteristics of the user, and future health characteristics of the user;
• derive an estimated date of death of the user based on the received health characteristics of the user;
• calculate the net present value of the user's income less expenses each year from the first work optional date until the estimated date of death;
• and
• determine a second work optional date, wherein the second work optional date is a date in which the net present value of the user's income moves from negative to positive.

A machine-readable storage device comprising instructions, which when executed by at least one processor, cause the at least one processor to:

• determine a first work optional date, wherein the first work optional date is a date in which a user's retirement income is greater than a user's expenses;
• receive past health characteristics of the user, current health current characteristics of the user, and future health characteristics of the user;
• derive an estimated date of death of the user based on the received health characteristics of the user;
• calculate the net present value of the user's income less expenses each year from the first work optional date until the estimated date of death;
• and
• determine a second work optional date, wherein the second work optional date is a date in which the net present value of the user's income moves from negative to positive.