Seeming inconsistency in Monte Carlo reports
I've specified conservative spending in my Monte Carlo setup. Everything looks fine in the non-MC report. Everything seemingly looks great in the MC report - all graphs go from something fairly horizontal at the Specified Mean Real Return to sloping dramatically upward for the 95th percentile. EXCEPT for the MC reports regarding Regular Assets.
The Percentile Distribution of Regular Assets in the case of 5th percentile drop starting at age 86 until age 94 where they're at -600K. They then go back up 0 by age 100. The 50th percentile only drops to 0 at age 94. But the thing that seems inconsistent is that all of the other MC reports seem to indicate that my standard of living, income, and retirement assets are all fine - great even. How can one report show that the 5th percentile of my retirement assets contains plenty of money, but 5th percentile of regular assets shows me going deep into debt?