An educational planning sandbox, not personalized financial advice. Deterministic, today's-dollars. Don't over-trust any single number — flexibility beats a headline %.
The headline finding
—
—
floormax safe
Portfolio balance to age 95
Today's dollars, to Johanna's age 95 (2078). Guaranteed income (Social Security) and the conditional trust stream shown beneath.
Income against expenses
Social Security separated from portfolio withdrawals; the trust as its own conditional series.
Show the math — full year-by-year audit grid
Every intermediate column, 2026 through 2078. Each headline number drills to its row.