WealthPulse · Wealth Retire

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://wealthpulse.theaslangroupllc.com/api/wealth/retire", {
  method: "GET",
});
const data = await res.json();

curl -X GET \
  "https://wealthpulse.theaslangroupllc.com/api/wealth/retire" \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "account_strategy": "Max the 401(k) match first, then backdoor Roth, then taxable brokerage",
  "action_plan": [
    {
      "action": "Increase 401(k) contribution to the match-plus level",
      "impact": "~$820/month additional savings closes most of the gap over 23 years",
      "priority": "do_now",
      "rank": 1
    },
    {
      "action": "Open a backdoor Roth IRA",
      "impact": "Adds tax-free growth on top of 401(k) contributions",
      "priority": "this_year",
      "rank": 2
    }
  ],
  "amazon_link": "https://www.amazon.com/s?k=retirement+planning&tag=pulsenetwork7-20",
  "amazon_search": "retirement planning",
  "annual_income_this_generates": "$35,600/year using the 4% rule",
  "contribution_limits_2026": {
    "401k": "$23,500 employee ($31,000 if 50+)",
    "ira": "$7,000 ($8,000 if 50+)",
    "roth_ira_income_limit": "$146,000 (single, phases out above)"
  },
  "disclaimer": "For informational purposes only. Projections are estimates based on assumed returns and are not guaranteed. Consult a licensed financial advisor or CFP for personalized retirement planning.",
  "gap_analysis": "Roughly $60,400/year short of the target retirement income of $96,000/year",
  "investment_platforms": [
    {
      "best_for": "Self-directed retirement investing with the lowest-cost index funds available",
      "description": "Zero expense ratio index funds; best IRA selection; free trades; no minimums",
      "platform": "Fidelity",
      "url": "https://www.fidelity.com/retirement-ira/overview"
    }
  ],
  "lendingtree_product": null,
  "on_track": "behind",
  "on_track_explanation": "Current savings rate produces meaningful income but falls well short of the target replacement rate",
  "pension_buyout_analysis": null,
  "projected_nest_egg": "$890,000 at a 10% savings rate and 4% real annual return",
  "rate_context": "Current 10-year yields support a conservative return assumption in this projection",
  "retirement_age_target": 65,
  "self_employed_accounts": null,
  "years_to_retirement": 23
}