First many thanks for the fast reply. As you indicated, I did not have both scenarios set to the same return rate. Note to other users: when verifying data focus on the line item not the data on the left side of the window. The planner is fantastic!
I'm running 2 scenarios which are identical except for when Social Security payments start. The 'early' scenario has them starting at 62(me) and 63(my wife) and the 'late' scenario has them starting at 66 and 67 respectively. This effectively means that in order to cover expenses, there are larger i...