Ask Linc
The AI financial assistant for households planning for retirement.
Get real recommendations — not another chart.
Can we retire at 60 if rates stay higher for longer?
Yes — with a clear surplus, if you hold spending near today's plan. At age 60 your portfolio is projected around $6.3M versus roughly $4.6M needed for your $140K lifestyle. Higher-for-longer rates help cash and bonds, but the real risk is sequence-of-returns in the first five years — not whether you can retire.
Recommendation
Target 60 as the base case. Pay down the $444K debt before age 53, and glide equities from 92% toward ~70% so a market drop near retirement doesn't force a delay.
Numbers from sample household data · live rates cited in full answers
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Over 12,000 Financial Institutions Connected
Linc is connected to over 12,000 financial institutions around the world, including in the US, Canada, the UK, and Europe.
One connected financial model
Cash, investments, debt, home value, and goals flow into a single line of reasoning — not separate dashboards.
Real-time market intelligence
Live interest rates, inflation, market conditions, and economic data are baked into every answer.
Run what-if scenarios
Model early retirement, home purchases, inflation spikes, or rate changes — before you decide.
Real math, not AI guesses
Wondering if the answer is confidently wrong? The calculations are deterministic — run on your connected data, not improvised by the model. Numbers are shown, live sources are cited, and you can open “Show the math” on any answer to inspect the work.
A real recommendation — not another chart.
How Show the Math works →One plan. Full access.
Ask Linc
Compared to the 1-2% of your wealth a human advisor charges every year.
- Unlimited questions about your money
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Why I built this
Ethan Teng
Founder, Ask Linc
After getting laid off, I pasted my own bank statements into ChatGPT — and immediately regretted it. General-purpose AI fails at money math. I built Ask Linc so households planning retirement get decision-ready answers from their real accounts, live market data, and calculations you can inspect — not another dashboard, and not a black box.
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