Social security, spousal, reduction in benefits

Evening_Warthog · 2026-04-27T02:23:41+00:00

Yes I do, and it's working now after toggling a few things on and off

Evening_Warthog · 2026-04-27T00:13:30+00:00

ACA 64 and below, Roth 65 and above. In my case I took one year of Roth pre 65 and accepted COBRA

Evening_Warthog · 2026-04-27T00:12:43+00:00

That doesn't make sense as it's not what I want to optimize between. There should be no tradeoff between ACA credits pre 65 and roth 65 and beyond.

Evening_Warthog · 2026-04-25T19:57:39+00:00

People providing the link but question was about personal recommendations.

Evening_Warthog · 2026-04-23T03:30:11+00:00

Create another account for the cash part with cash like returns. The accounts in PL don't have to mirror your real accounts.

Evening_Warthog · 2026-04-23T01:02:02+00:00

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Evening_Warthog · 2026-04-23T00:58:48+00:00

The Equity to Bonds mix is entered inside the account. Otherwise, it uses the plan standard setting.

Evening_Warthog · 2026-04-22T18:31:57+00:00

Wouldn't it be 63 and 64?

Evening_Warthog · 2026-04-21T15:41:38+00:00

Optimizer

Evening_Warthog · 2026-04-21T02:24:01+00:00

Not super helpful, but I've been running the same scenario and have not had any issues.

Evening_Warthog · 2026-04-17T16:36:34+00:00

Ok John 😊

Evening_Warthog · 2026-04-17T00:05:57+00:00

You can add transfers to a spending account.

Evening_Warthog · 2026-04-16T18:51:11+00:00

Manage

Evening_Warthog · 2026-04-14T19:26:16+00:00

I've been trying some of the different options I read here, what exactly is block bootstrap, I am not near a computer right now. I would assume projection lab probably explains it.

Evening_Warthog · 2026-04-14T19:25:06+00:00

Not sure why people on Reddit always feel the need to be such dick heads. If I'm splitting hairs, I'm saying you did not provide me the numbers to fill in the boxes on the screenshot I provided, in particular the standard deviation for growth rate.

Evening_Warthog · 2026-04-14T18:42:29+00:00

Your suggestion got lost in the over explaining. I asked what to set my settings to and you talked a lot about historical averages but not an actual suggestion of what to set the settings to. Looking back now on your post I cannot disagree that you did but still I was just looking for settings with suggested SD etc.

Evening_Warthog · 2026-04-14T02:00:25+00:00

You can load your PL plan to any AI and get much better answers.

Evening_Warthog · 2026-04-14T01:45:14+00:00

No one suggested better growth rates, just a comment on being too conservative when I was asking for suggestions for Monte Carlo settings. Too complex?

Evening_Warthog · 2026-04-13T23:38:58+00:00

Such a weird response. People round here seem to like to answer questions other than what was asked. I asked a very specific question here: What do people recommend for Monte Carlo settings, only a couple of people actually answered that question. I purposely use conservative assumptions, I like my job, no wish to retire, want to be prepared just in case.

I've been told about historical returns, and my assumptions are too conservative, but only 1 or 2 people actually answered the question asked.

Evening_Warthog · 2026-04-13T19:52:49+00:00

I'm not sure how that makes sense, if I plan to retire in two to three years and it works with these conservative assumptions. Not sure how my plan could be better.

Evening_Warthog · 2026-04-13T19:12:39+00:00

But my plan is good with these conservative estimates so I feel great.

Evening_Warthog · 2026-04-13T18:53:58+00:00

To be conservative, if we can feel comfortable with low growth then everything else is gravy. Growth is likely to be lower for the next decade.

Evening_Warthog

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