Just wondering how many people make the same mistake I made for a while (but have corrected) which is to estimate your retirement spending and/or SWR as the amount of money you spend on purchases, as opposed to that amount plus the income taxes you will also owe. For example, if you spend $100K in a year, you really need to withdraw more like $110-115K from your portfolio because of the taxes you will owe. It seems like a pretty easy planning mistake to make and quite impactful to the bottom line.