How to input data for couple with different retirement ages?

[frp user]

Jim,

My wife will be eligible to withdrawal her social security before I retire. How do I include that in your planner? As far as I can tell, the "Misc. Income" additional input only works after retirement.

Thanks!

[admin]

If you don't plan to make any withdrawals from your portfolio in the years between when your wife retires and when you retire, you can simply ignore the payments she gets for the interim years. Prior to retirement, the planner doesn't consider your overall income, only the contributions that you make to savings.

If you expect to be able to save more during those interim years, you can enter "Savings" cash flows on the "additional inputs" tab for the years when savings will be increased.

If that doesn't work for you or if you have additional questions, please don't hesitate to write again.

Regards,

Jim