Am I being too clever????
To account for social security and medicare/health insurance, I created a pseudo-annuity that will pay inflation adjusted dollars until the government stuff kicks in (hopefully). I deducted the principal needed for the CD ladder from my portfolio value. I then put a decrease in my FIRECalc withdrawls from my retirement date until SS/medicare. At that point I increased the withdrawls back the same amount since all of the CDs have matured. Both changes were inflation adjusted.
This takes the cash needed to duplicate my social security and pay for private health care pre-medicare "off the books."
This had a significant improvement on my 95% withdrawal rate. I see a limitation by my fixing inflation at 3.5% for 10 years for this "annuity."
My question is whether I'm "gaming" the calculator or is this a reasonable approach to a known, limited-term expenditure?
The object of life is not to be on the side of the majority, but to escape finding oneself in the ranks of the insane -- Marcus Aurelius