Thank you. I started looking at the tool when you first posted it. I’ve definitely got some learning to do! I’m finding the tool is giving me results that don’t align with common sense (example: It’s saying I need to withdraw monthly in significant excess of my essential expenses at a 10/90 AA. I add in significant legacy money and the monthly withdraw stays well in excess and the AA only changes to 15/85. Played with the social security and it shows claiming at 67 to be better than 70, etc….). Started reading the thread you linked but it will take some time to get through it. I’m sure this is user error or perhaps due to me being on an iPad at the moment. Maybe I need to play in the excel version as currently in the online, it seems I have little control to model different AA’s, etc.The math will be done for you in TPAWPlanner. I recommend you use that tool to examine various scenarios.
Here's the learn section of the site. https://tpawplanner.com/learn
Here's the BH thread on the tool. viewtopic.php?t=331368
One more note is that you need to be considering your spouse's life expectancy too. She will receive your SS benefit if you were to die before her.
Planning for the worst is done by you claiming SS as late as possible.
Anyway, thanks again and I’ll dig into it further over the coming days.
Cheers
Statistics: Posted by Monteverde — Wed Jan 14, 2026 9:42 am — Replies 8 — Views 815