Typography T-Shirt Design - Retirement Plan

Create a typography-only t-shirt design in 1080x1080 square format with a #D3D3D3 background, vector format, solid colors only, built-in negative space, and the entire graphic fully contained within the frame, optimized specifically for placement on a graphic t-shirt. Use a clean stacked layout with “MY RETIREMENT PLAN” in medium-sized uppercase sans-serif at the top, “WEARS A” smaller and tighter beneath, and “JERSEY NUMBER.” as the large dominant line at the bottom in bold condensed block lettering with a subtle distressed vintage texture. Use off-white as the main color with an optional muted red underline or thin divider for emphasis, and leave ample negative space around the centered text block so the design feels balanced, premium, and easy to place on apparel.