The wording “new parents” and “near-retirees” are good descriptions to use in place of numbers when in the context of financial planning for the next two decades. A “new parent” and a “near-retiree” might both be 40 years old. What’s more influential in terms of supporting them with financial planning tools is their guiding principles and reactions. So taking it one level deeper, depending on the data patterns, you might end up with “near-retiree who confidently looks forward to the next two decades, with spending plans that allow for the things they want to do” versus “near-retiree who is worried about making financial ends meet” versus “near-retiree who intends to do a little belt-tightening and worries how it will affect lifestyle and happiness.”