Working fewer days is not only an income question. It may also change travel, childcare, food, tax, recovery time and what becomes possible outside work.
- Duplicate your baseline.
- Use a realistic take-home income for the reduced hours.
- Change the costs that genuinely move with the schedule.
- Compare Remaining and longer-term projections.
- Name what the extra time is for.
If the first version shows a shortfall, test a smaller reduction or another connected change. “Not this exact version” is useful information, not failure.