With all this 4% rule idea of finding your 'stache goal to have a SWR forever, I need some help jiving this with the Roth pipeline plan. If I plan to build up my savings in pre-tax accounts while simultaneously making an after-tax fund to live on while I "migrate" pre-tax funds to a Roth, should I be including or excluding that 5-year fund from my final net worth to make sure I've got enough?
For instance, say I determine with the 4% rule that I'll need $450K to retire. Is the 5-year after-tax stache part of that $450 net worth, or should I exclude it from my retirement goal?