OK, I'm sure someone has asked this before, but I couldn't find the answer when I did a search.
Under "annual spending", do you put in what you expect to spend every year, or what you expect to spend plus the taxes you'd have to pay on that? ie. if you plan to spend about $40,000 per year, do you put that in, or do you put in $46,000 (assuming 15% tax bracket)?
less stuff, more time
(48, married; DH 52. I am fully retired as of 2015 (well ok, I still work part-time but only because I love the job and have complete freedom to call off if I want to travel with hubby for work), DH will fully retire 2018 when he turns 55 to access 401K penalty-free)