#sabbatical

Three options, three answers depending on duration. Sublet wins for 3-6 month trips with strong recovery; lease break wins past 9 months; keep-empty almost never wins. The math, the legality wildcards, and the re-entry trap.

Most sabbatical calculators show cash drawdown and stop. The honest math is 15× higher because foregone earnings compound to retirement. We modeled four common scenarios — three are cheaper than you think; one creates a NET positive lifetime impact.