Decided to dive back into this because it is such a robust tool:
https://www.bogleheads.org/wiki/Retiree_Portfolio_Modelhttps://www.bogleheads.org/forum/viewtopic.php?t=97352Just wondering what others who have used it like/dislike about it, and whether there are things I am missing or getting wrong.
Things I like:
The ability to micromanage Roth conversion estimates in section 10, method 2 and see the tax impacts (and comparison with a no-conversion strategy in section 11 right below).
Things I don't like:
Really unclear to me how the qualified charitable distribution portion of section 7 is supposed to work -- I should have plenty in my trad IRA to donate for at least 15 years starting at age 72, but it keeps showing me error messages.
Anyway, just wondering if anyone else is playing around with this and what you like/don't like about it. Looks like with strategic harvesting of LTCG from taxable accounts to cover most living expenses + regular conversions and donations from my trad IRA I should be able to stay in the 10% tax bracket and shift almost everything into Roths by age 85 or so. Should be able to leave large sums to kids/future grandkids and also give a lot to charity.
