However, I think you are missing the main benefit of Esplanner, which is to tell you what your means are so that you can live below them. Using the original planning method in Esplanner, you input your financial data, SS covered earnings history, assets of various kinds, housing costs and plans to move, if any, state of residence, assumptions for investment returns and inflation, life span for planning purposes, legacy requirement, etc. Esplanner then spits back a number that tells you the maximum level of disposable income you can spend under all of those assumptions without going broke before you die.
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The problem with the conventional approach is that it assumes that the standard of living that you choose is a hard-and-fast choice. But, for most of us, our standard of living was never hard-and-fast. Throughout our working lives we set our living standard based on what our income would support, or maybe much less than that and called it, "living below your means."
It sounds like Esplanner is telling you that you are planning to live beyond your means and you want it to tell you something different.