Give every dollar of take-home pay a job.

• Shares are scaled to add up to 100%. Months to an emergency fund assume the whole saving slice goes to it, with no interest.
• The investing projection uses the Investing 101 convention: a constant return credited monthly, the saving slice added at the end of each month, no fees, taxes or inflation.
• Every number is hypothetical and depends entirely on what you enter. Small changes in assumptions can change results a lot.
• Returns are smooth and constant in the single-number projection; real returns vary every year, and real markets can do better or worse than anything shown.
• Inflation is a single constant rate you choose (except in historical replays, which use the actual CPI of each year).
• Growth compounds monthly (or at the contribution frequency) and contributions are made at the end of each period.
• No taxes unless you turn on the simplified tax drag (all positive growth taxed each year at your rate, which overstates tax for buy-and-hold). No fees unless you set one.
• Inputs stay in your browser. Saving uses this device's local storage; a share link contains the numbers you entered, so anyone with the link can see them.

Coteau may be wrong. Check every number yourself, and talk to a licensed professional before acting on anything.