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A few Toolbox 2.0 questions
#1 · May 2, 2023, 3:04 pm
Hi Big ERN. Got 3 questions for you on the wonderful SWR sheet, specifically on the Cash Flow Assist tab:
- Do you recommend entering everything before-tax, assuming that part of the "consumption" amount is used to pay taxes due?
- Column T seems to exclude supplemental flows and is therefore what we can safely withdrawal from the portfolio itself. Meanwhile cell V15 seems to include supplemental flows and is therefore what we would be safe to consume "all-in". Correct?
- Column T annualized in some years differs from V15 due to variable ongoing cash flows, i.e. in some years it is less than the all-in # due to positive flows (supplemental income etc). But in other years it may exceed the "safe all-in" due to things like conservative medical expense assumptions. But per this tool, we are still "safe" to consume the higher column T numbers in those certain years, since it's baked into the overall blended safe consumption amount and overall SWR. Is that correct?
Thanks!