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Use this Question Forum to ask questions about how the software works, how to model different "what if" cases, or other user-related question. If you have a support issue (something seems to be wrong with the software) then please create a support ticket. How to browse this forum: SCROLL and click titles to read complete question/answer, use the FILTERS below, pick from TOPICS on the list at right (think of them as folders), use the SEARCH BOX (see also "advanced search" when you use it), choose from RECENT COMMENTS at the right below.

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Tags: gender, marriage

I just downloaded and installed the update 2.28.0 and was disappointed to see that I still can't seem to change the gender and marriage status on my profile. When I originally set up the profile I selected 2 males and then couldn't select married.

I'm new to the program, and I'm trying to understand how the Regular Asset Income column is calculated in the Total Income Report.

Are Taxes in addition to "Total Spending" or are Taxes part of "Discretionary Spending", which does not seem reasonable? To me Total Spending should include Taxes.

Tags: Roth

I recently bought ESPlanner & it seems like a very powerful tool. There are a few areas I'd like to optimize, but I'm not sure if ESPlanner provides that capability.


I just noticed my birth date is wrong on the "Family Information" screen, and I'm unable to correct it. How can I fix that?

Tags: monte carlo

Can someone refer me to an instructional guide as to how to use and read Monte Carlo data, particularly in ESP? I understand the concept. I'm just not certain how to prepare the data and interpret the results.

I'm 58 and plan to retire at age 62. Whenever I set age in ESPlanner for collecting Social security to 62, then resulting report shows a smooth discretionary spending amount for the rest of my lifespan .

How can I adjust the household life insurance premiums so that they are accurate? The actual premiums paid are ~$9,000 annually, but the program has calculated the current amount of annual premums to be $36,442.

I am retired at age 62. I want to plan for level consumption. Since I am planning to defer social security until 70, I expect to draw more heavily on my retirement accounts until social security kicks in. In ESPlanner, the draw is the same each year.

Two years ago, on my 66th birthday, I filed for social security benefits and immediately suspended payments until I reach 70. On the same day my wife, who is two years older, filed to receive spousal benefits.

Tags: taxes

Is there any documentation of ESPlanner's federal income tax calculations?

The amounts shown in the ESPlanner tax report are $55k, but my federal income taxes have been in the $70,000 to $75,000 range.

Tags: monte carlo

In the Monte Carlo simulation, at age 70, my projected retirement assets is 598,378.

I've read all the posts in the various threads on life insurance. I'm with the users who remain totally confused by the software's recommendations. I've looked around without success.

Tags: 401K, Roth

I am trying to do a simply trade between contributing to a traditional 401K versus a Roth 401K. I tried simply running two cases one with traditional contributions, then one with Roth contributions. I was looking for comparison in my reported consumption.

What index is being used for the asset Large Cap Stocks? Is there a list of the indexes used for the assets that come with Esplanner?

Tags: creating PDF, PDF

When I try to Create a Report into a PDF, the report prints a bunch of nonsense symbols into a NotePad file. I have Adobe Reader XI installed.

I do not have Excel installed, so this is not an option.

I'm running ESPlanner on a Mac in the Windows Bootcamp environment.

I've Retired early and I'm income constrained for a few years until Social Security begins. Is there a way that I can have ESP increase withdrawals from my IRA's for a few years to increase (and smooth) income.

I just purchased ESP and my wife and I are not clear on how the spend down is done.

Tags: monte carlo

Sorry I'm a newbie. I looked on the forum and the help file. Could someone please explain the meaning of the "Projected Trajectory" of standard of living (recommended consumption) column shown in the Monte Carlo Trajectory_Living Std report. Thanks.