diff --git a/src/components/MilestoneTracker.js b/src/components/MilestoneTracker.js
index bd6c395..723a7a4 100644
--- a/src/components/MilestoneTracker.js
+++ b/src/components/MilestoneTracker.js
@@ -58,6 +58,8 @@ const MilestoneTracker = ({ selectedCareer: initialCareer }) => {
   const [projectionData, setProjectionData] = useState([]);
   const [loanPayoffMonth, setLoanPayoffMonth] = useState(null);
 
+  const [simulationYearsInput, setSimulationYearsInput] = useState("20");
+
   const [showEditModal, setShowEditModal] = useState(false);
 
   // Possibly loaded from location.state
@@ -66,6 +68,7 @@ const MilestoneTracker = ({ selectedCareer: initialCareer }) => {
     loanPayoffMonth: initialLoanPayoffMonth = null
   } = location.state || {};
 
+  const simulationYears = parseInt(simulationYearsInput, 10) || 20;
   // -------------------------
   // 1. Fetch career paths + financialProfile on mount
   // -------------------------
@@ -198,7 +201,9 @@ const MilestoneTracker = ({ selectedCareer: initialCareer }) => {
           expectedSalary: collegeProfile.expected_salary || financialProfile.current_salary,
   
           // The key: impacts
-          milestoneImpacts: allImpacts
+          milestoneImpacts: allImpacts,
+
+          simulationYears,
         };
   
         // 5) Run the simulation
@@ -218,7 +223,19 @@ const MilestoneTracker = ({ selectedCareer: initialCareer }) => {
         console.error('Error fetching initial milestones/impacts or simulating:', err);
       }
     })();
-  }, [financialProfile, collegeProfile, selectedCareer, careerPathId]);
+  }, [financialProfile, collegeProfile, simulationYears, selectedCareer, careerPathId]);
+
+  const handleSimulationYearsChange = (e) => {
+    setSimulationYearsInput(e.target.value); // let user type partial/blank
+  };
+
+  const handleSimulationYearsBlur = () => {
+    // Optionally, onBlur you can “normalize” the value 
+    // (e.g. if they left it blank, revert to "20").
+    if (simulationYearsInput.trim() === "") {
+      setSimulationYearsInput("20");
+    }
+  };
 
   // -------------------------------------------------
   // 4. reSimulate() => re-fetch everything (financial, college, milestones & impacts),
@@ -453,6 +470,16 @@ const MilestoneTracker = ({ selectedCareer: initialCareer }) => {
         </div>
       )}
 
+    <div>
+      <label>Simulation Length (years): </label>
+      <input
+        type="text"
+        value={simulationYearsInput}
+        onChange={handleSimulationYearsChange}
+        onBlur={handleSimulationYearsBlur}
+      />
+    </div>
+
       <CareerSearch
         onSelectCareer={(careerName) => setPendingCareerForModal(careerName)}
         setPendingCareerForModal={setPendingCareerForModal}
diff --git a/src/components/MultiScenarioView.js b/src/components/MultiScenarioView.js
new file mode 100644
index 0000000..1e87384
--- /dev/null
+++ b/src/components/MultiScenarioView.js
@@ -0,0 +1,162 @@
+// src/components/MultiScenarioView.js
+import React, { useEffect, useState } from 'react';
+import authFetch from '../utils/authFetch.js';
+import ScenarioContainer from './ScenarioContainer.js';
+import { v4 as uuidv4 } from 'uuid';
+
+export default function MultiScenarioView() {
+  const [loading, setLoading] = useState(false);
+  const [financialProfile, setFinancialProfile] = useState(null);
+  const [scenarios, setScenarios] = useState([]); // each scenario corresponds to a row in career_paths
+
+  // For error reporting
+  const [error, setError] = useState(null);
+
+  // 1) On mount, fetch the user’s single financial profile + all career_paths.
+  useEffect(() => {
+    async function loadData() {
+      setLoading(true);
+      setError(null);
+      try {
+        // A) fetch financial profile
+        let finRes = await authFetch('/api/premium/financial-profile');
+        if (!finRes.ok) throw new Error(`FIN profile error: ${finRes.status}`);
+        let finData = await finRes.json();
+
+        // B) fetch all career_paths (scenarios)
+        let scenRes = await authFetch('/api/premium/career-profile/all');
+        if (!scenRes.ok) throw new Error(`Scenarios error: ${scenRes.status}`);
+        let scenData = await scenRes.json();
+
+        setFinancialProfile(finData);
+        setScenarios(scenData.careerPaths || []);
+      } catch (err) {
+        console.error('Error loading premium data:', err);
+        setError(err.message || 'Failed to load data');
+      } finally {
+        setLoading(false);
+      }
+    }
+    loadData();
+  }, []);
+
+  // 2) “Add Scenario” => create a brand new row in career_paths
+  async function handleAddScenario() {
+    try {
+      // You might prompt user for a scenario name, or just default
+      const body = {
+        career_name: 'New Scenario ' + new Date().toLocaleDateString(),
+        status: 'planned',
+        start_date: new Date().toISOString(),
+        college_enrollment_status: 'not_enrolled',
+        currently_working: 'no'
+      };
+      const res = await authFetch('/api/premium/career-profile', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify(body)
+      });
+      if (!res.ok) throw new Error(`Add scenario error: ${res.status}`);
+      const data = await res.json();
+      
+      // re-fetch scenarios or just push a new scenario object
+      const newRow = {
+        id: data.career_path_id,
+        user_id: null, // we can skip if not needed
+        career_name: body.career_name,
+        status: body.status,
+        start_date: body.start_date,
+        projected_end_date: null,
+        college_enrollment_status: body.college_enrollment_status,
+        currently_working: body.currently_working
+      };
+      setScenarios(prev => [...prev, newRow]);
+    } catch (err) {
+      console.error('Failed adding scenario:', err);
+      alert('Could not add scenario');
+    }
+  }
+
+  // 3) “Clone” => POST a new row in career_paths with copied fields
+  async function handleCloneScenario(sourceScenario) {
+    try {
+      // A simple approach: just create a new row with the same fields
+      // Then copy the existing scenario fields
+      const body = {
+        career_name: sourceScenario.career_name + ' (Copy)',
+        status: sourceScenario.status,
+        start_date: sourceScenario.start_date,
+        projected_end_date: sourceScenario.projected_end_date,
+        college_enrollment_status: sourceScenario.college_enrollment_status,
+        currently_working: sourceScenario.currently_working
+      };
+      const res = await authFetch('/api/premium/career-profile', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify(body)
+      });
+      if (!res.ok) throw new Error(`Clone scenario error: ${res.status}`);
+      const data = await res.json();
+
+      const newScenarioId = data.career_path_id;
+
+      // Optionally, also clone the scenario’s milestones, if you want them duplicated:
+      // (You’d fetch all existing milestones for sourceScenario, then re-insert them for newScenario.)
+      // This example just leaves that out for brevity.
+
+      // Add it to local state
+      const newRow = {
+        id: newScenarioId,
+        career_name: body.career_name,
+        status: body.status,
+        start_date: body.start_date,
+        projected_end_date: body.projected_end_date,
+        college_enrollment_status: body.college_enrollment_status,
+        currently_working: body.currently_working
+      };
+      setScenarios(prev => [...prev, newRow]);
+    } catch (err) {
+      console.error('Failed cloning scenario:', err);
+      alert('Could not clone scenario');
+    }
+  }
+
+  // 4) “Remove” => (If you want a delete scenario)
+  async function handleRemoveScenario(scenarioId) {
+    try {
+      // If you have a real DELETE endpoint for career_paths, use it:
+      // For now, we’ll just remove from the local UI:
+      setScenarios(prev => prev.filter(s => s.id !== scenarioId));
+      // Optionally, implement an API call:
+      // await authFetch(`/api/premium/career-profile/${scenarioId}`, { method: 'DELETE' });
+    } catch (err) {
+      console.error('Failed removing scenario:', err);
+      alert('Could not remove scenario');
+    }
+  }
+
+  if (loading) return <p>Loading scenarios...</p>;
+  if (error) return <p className="text-red-600">Error: {error}</p>;
+
+  return (
+    <div className="multi-scenario-view" style={{ display: 'flex', flexWrap: 'wrap', gap: '1rem' }}>
+      {scenarios.map((scen) => (
+        <ScenarioContainer
+          key={scen.id}
+          scenario={scen}
+          financialProfile={financialProfile} // shared for all scenarios
+          onClone={() => handleCloneScenario(scen)}
+          onRemove={() => handleRemoveScenario(scen.id)}
+          // Optionally refresh the scenario if user changes it
+          onScenarioUpdated={(updated) => {
+            setScenarios(prev => prev.map(s => s.id === scen.id ? { ...s, ...updated } : s));
+          }}
+        />
+      ))}
+
+      <div style={{ alignSelf: 'flex-start' }}>
+        <button onClick={handleAddScenario}>+ Add Scenario</button>
+      </div>
+    </div>
+  );
+}
diff --git a/src/components/PremiumOnboarding/CollegeOnboarding.js b/src/components/PremiumOnboarding/CollegeOnboarding.js
index 6a569c0..c1a015a 100644
--- a/src/components/PremiumOnboarding/CollegeOnboarding.js
+++ b/src/components/PremiumOnboarding/CollegeOnboarding.js
@@ -266,7 +266,7 @@ function CollegeOnboarding({ nextStep, prevStep, data, setData, careerPathId })
     }
 
     setAutoTuition(Math.round(estimate));
-    // We do NOT auto-update parent's data. We'll do that in handleSubmit or if you prefer, you can store it in parent's data anyway.
+    
   }, [
     icTuitionData, selected_school, program_type,
     credit_hours_per_year, is_in_state, is_in_district, schoolData
diff --git a/src/components/ScenarioContainer.js b/src/components/ScenarioContainer.js
new file mode 100644
index 0000000..960bf71
--- /dev/null
+++ b/src/components/ScenarioContainer.js
@@ -0,0 +1,231 @@
+// src/components/ScenarioContainer.js
+import React, { useState, useEffect } from 'react';
+import { Line } from 'react-chartjs-2';
+import { simulateFinancialProjection } from '../utils/FinancialProjectionService.js';
+
+// Reuse your existing:
+import ScenarioEditModal from './ScenarioEditModal.js';
+import MilestoneTimeline from './MilestoneTimeline.js';
+import AISuggestedMilestones from './AISuggestedMilestones.js';
+import authFetch from '../utils/authFetch.js';
+
+export default function ScenarioContainer({
+  scenario,            // from career_paths row
+  financialProfile,    // single row, shared across user
+  onClone,
+  onRemove,
+  onScenarioUpdated    // callback to parent to store updated scenario data
+}) {
+  const [collegeProfile, setCollegeProfile] = useState(null);
+  const [milestones, setMilestones] = useState([]);
+  const [universalMilestones, setUniversalMilestones] = useState([]);
+  
+  const [projectionData, setProjectionData] = useState([]);
+  const [loanPaidOffMonth, setLoanPaidOffMonth] = useState(null);
+
+  const [editOpen, setEditOpen] = useState(false);
+
+  // 1) Fetch the college profile for this scenario
+  useEffect(() => {
+    if (!scenario?.id) return;
+    async function loadCollegeProfile() {
+      try {
+        const res = await authFetch(`/api/premium/college-profile?careerPathId=${scenario.id}`);
+        if (res.ok) {
+          const data = await res.json();
+          setCollegeProfile(data);
+        } else {
+          console.warn('No college profile found or error:', res.status);
+          setCollegeProfile({});
+        }
+      } catch (err) {
+        console.error('Failed fetching college profile:', err);
+      }
+    }
+    loadCollegeProfile();
+  }, [scenario]);
+
+  // 2) Fetch scenario’s milestones (where is_universal=0) + universal (is_universal=1)
+  useEffect(() => {
+    if (!scenario?.id) return;
+    async function loadMilestones() {
+      try {
+        const [scenRes, uniRes] = await Promise.all([
+          authFetch(`/api/premium/milestones?careerPathId=${scenario.id}`),
+          // for universal: we do an extra call with no careerPathId. 
+          // But your current code always requires a careerPathId. So you might
+          // create a new endpoint /api/premium/milestones?is_universal=1 or something. 
+          // We'll assume you have it:
+          authFetch(`/api/premium/milestones?careerPathId=universal`)
+        ]);
+
+        let scenarioData = scenRes.ok ? (await scenRes.json()) : { milestones: [] };
+        let universalData = uniRes.ok ? (await uniRes.json()) : { milestones: [] };
+
+        setMilestones(scenarioData.milestones || []);
+        setUniversalMilestones(universalData.milestones || []);
+      } catch (err) {
+        console.error('Failed to load milestones:', err);
+      }
+    }
+    loadMilestones();
+  }, [scenario]);
+
+  // 3) Whenever we have financialProfile + collegeProfile + milestones, run the simulation
+  useEffect(() => {
+    if (!financialProfile || !collegeProfile) return;
+
+    // Merge them into the userProfile object for the simulator:
+    const mergedProfile = {
+      // Financial fields
+      currentSalary: financialProfile.current_salary || 0,
+      monthlyExpenses: financialProfile.monthly_expenses || 0,
+      monthlyDebtPayments: financialProfile.monthly_debt_payments || 0,
+      retirementSavings: financialProfile.retirement_savings || 0,
+      emergencySavings: financialProfile.emergency_fund || 0,
+      monthlyRetirementContribution: financialProfile.retirement_contribution || 0,
+      monthlyEmergencyContribution: financialProfile.emergency_contribution || 0,
+      surplusEmergencyAllocation: financialProfile.extra_cash_emergency_pct || 50,
+      surplusRetirementAllocation: financialProfile.extra_cash_retirement_pct || 50,
+
+      // College fields (scenario-based)
+      studentLoanAmount: collegeProfile.existing_college_debt || 0,
+      interestRate: collegeProfile.interest_rate || 5,
+      loanTerm: collegeProfile.loan_term || 10,
+      loanDeferralUntilGraduation: !!collegeProfile.loan_deferral_until_graduation,
+      academicCalendar: collegeProfile.academic_calendar || 'semester',
+      annualFinancialAid: collegeProfile.annual_financial_aid || 0,
+      calculatedTuition: collegeProfile.tuition || 0,
+      extraPayment: collegeProfile.extra_payment || 0,
+      gradDate: collegeProfile.expected_graduation || null,
+      programType: collegeProfile.program_type || '',
+      creditHoursPerYear: collegeProfile.credit_hours_per_year || 0,
+      hoursCompleted: collegeProfile.hours_completed || 0,
+      programLength: collegeProfile.program_length || 0,
+
+      // We assume user’s baseline “inCollege” from the DB:
+      inCollege:
+        collegeProfile.college_enrollment_status === 'currently_enrolled' ||
+        collegeProfile.college_enrollment_status === 'prospective_student',
+
+      // If you store expected_salary in collegeProfile
+      expectedSalary: collegeProfile.expected_salary || financialProfile.current_salary,
+
+      // Flatten the scenario + universal milestones’ impacts
+      milestoneImpacts: buildAllImpacts([...milestones, ...universalMilestones])
+    };
+
+    const { projectionData, loanPaidOffMonth } = simulateFinancialProjection(mergedProfile);
+    setProjectionData(projectionData);
+    setLoanPaidOffMonth(loanPaidOffMonth);
+  }, [financialProfile, collegeProfile, milestones, universalMilestones]);
+
+  // Helper: Flatten all milestone impacts into one array for the simulator
+  function buildAllImpacts(allMilestones) {
+    let impacts = [];
+    for (let m of allMilestones) {
+      // Possibly fetch m.impacts if you store them directly on the milestone
+      // or if you fetch them separately. 
+      // If your code stores them as `m.impacts = [ { direction, amount, ... } ]`
+      if (m.impacts) {
+        impacts.push(...m.impacts);
+      }
+      // If you also want a milestone that sets a new salary, handle that logic too
+      // E.g., { impact_type: 'SALARY_CHANGE', start_date: m.date, newSalary: m.new_salary }
+    }
+    return impacts;
+  }
+
+  // 4) We’ll display a single line chart with Net Savings (or cumulativeNetSavings)
+  const labels = projectionData.map((p) => p.month);
+  const netSavingsData = projectionData.map((p) => p.cumulativeNetSavings || 0);
+
+  // Grab final row for some KPIs
+  const finalRow = projectionData[projectionData.length - 1] || {};
+  const finalRet = finalRow.retirementSavings?.toFixed(0) || '0';
+  const finalEmerg = finalRow.emergencySavings?.toFixed(0) || '0';
+
+  // 5) Handle “Edit” scenario -> open your existing `ScenarioEditModal.js`
+  //    But that modal currently references setFinancialProfile, setCollegeProfile directly, 
+  //    so you may want a specialized version that changes only this scenario’s row. 
+  //    For simplicity, we’ll just show how to open it:
+
+  return (
+    <div style={{ width: '420px', border: '1px solid #ccc', padding: '1rem' }}>
+      <h3>{scenario.career_name || 'Untitled Scenario'}</h3>
+      <p>Status: {scenario.status}</p>
+
+      <Line
+        data={{
+          labels,
+          datasets: [
+            {
+              label: 'Net Savings',
+              data: netSavingsData,
+              borderColor: 'blue',
+              fill: false
+            }
+          ]
+        }}
+        options={{ responsive: true }}
+      />
+
+      <div style={{ marginTop: '0.5rem' }}>
+        <strong>Loan Paid Off:</strong> {loanPaidOffMonth || 'N/A'} <br />
+        <strong>Final Retirement:</strong> ${finalRet} <br />
+        <strong>Final Emergency:</strong> ${finalEmerg}
+      </div>
+
+      {/* The timeline for this scenario. We pass careerPathId */}
+      <MilestoneTimeline
+        careerPathId={scenario.id}
+        authFetch={authFetch}
+        activeView="Financial"       // or a state that toggles Career vs. Financial
+        setActiveView={() => {}}
+        onMilestoneUpdated={() => {
+          // re-fetch or something
+          // We'll just force a re-fetch of scenario’s milestones
+          // or re-run the entire load effect
+        }}
+      />
+
+      {/* Show AI suggestions if you like */}
+      <AISuggestedMilestones
+        career={scenario.career_name}
+        careerPathId={scenario.id}
+        authFetch={authFetch}
+        activeView="Financial"
+        projectionData={projectionData}
+      />
+
+      <div style={{ marginTop: '0.5rem' }}>
+        <button onClick={() => setEditOpen(true)}>Edit</button>
+        <button onClick={onClone} style={{ marginLeft: '0.5rem' }}>Clone</button>
+        <button onClick={onRemove} style={{ marginLeft: '0.5rem', color: 'red' }}>
+          Remove
+        </button>
+      </div>
+
+      {/* Reuse your existing ScenarioEditModal that expects
+          setFinancialProfile, setCollegeProfile, etc. 
+          However, you might want a specialized "ScenarioEditModal" that updates
+          the DB fields for *this* scenario. For now, we just show how to open. */}
+      <ScenarioEditModal
+        show={editOpen}
+        onClose={() => setEditOpen(false)}
+        financialProfile={financialProfile}
+        setFinancialProfile={() => {
+          // If you truly want scenario-specific financial data,
+          // you’d do a more advanced approach. 
+          // For now, do nothing or re-fetch from server.
+        }}
+        collegeProfile={collegeProfile}
+        setCollegeProfile={(updated) => {
+          setCollegeProfile((prev) => ({ ...prev, ...updated }));
+        }}
+        apiURL="/api"
+        authFetch={authFetch}
+      />
+    </div>
+  );
+}
diff --git a/src/utils/FinancialProjectionService.js b/src/utils/FinancialProjectionService.js
index d619a0f..9f5347a 100644
--- a/src/utils/FinancialProjectionService.js
+++ b/src/utils/FinancialProjectionService.js
@@ -135,7 +135,11 @@ export function simulateFinancialProjection(userProfile) {
     stateCode = 'GA',
 
     // Financial milestone impacts
-    milestoneImpacts = []
+    milestoneImpacts = [],
+    
+    // Simulation duration
+    simulationYears = 20
+
   } = userProfile;
 
   /***************************************************
@@ -204,7 +208,7 @@ export function simulateFinancialProjection(userProfile) {
   /***************************************************
    * 6) SETUP FOR THE SIMULATION LOOP
    ***************************************************/
-  const maxMonths = 240; // 20 years
+  const maxMonths = simulationYears*12; // 20 years
   let loanBalance = Math.max(studentLoanAmount, 0);
   let loanPaidOffMonth = null;
 
diff --git a/user_profile.db b/user_profile.db
index b441354..b4507c2 100644
Binary files a/user_profile.db and b/user_profile.db differ