Yes, that's quite a jump. I'd have to see your database to know what's going on for sure, but there are circumstances (not that uncommon) where one is "borrowing constrained" or "liquidity constrained." This means that there is some money in the future that one can't take advantage of now (unless you tell the program that you are willing to borrow--which is generally not a good idea).

I'm guessing that based on the dates I see that it has to do with Social Security kicking in at the age of 70. At least that might explain a lot of it. It's also possible that you are not starting retirement withdraws until age 70 for you and the spouse. But lots of things are possible as well that I'd just have to see to explain. For example, perhaps you have a special receipt like an inheritance scheduled for later.

Normally, the program looks to use "Regular Assets" to smooth this consumption. But perhaps you have few or zero regular assets for this purpose. (see assets and savings folder).

There are many different possible workarounds, but I'd have to see the database to say. If you remain stuck on this one, create a support ticket and upload your database and I'll take a quick look.

Another thing I see sometimes is that a user is "saving too much." In other words, if you take too much of your current, available discretionary spending (living standard) and save it for age 65 or age 70, and if you don't have enough regular assets to cover, then of course your going to have too little to spend now and too much to spend later! That's another cause of liquidity constraint.

Dan@MHealy, assuming Dan Royer is correct about your delaying Social Security until 70, try adding special withdrawals between retirement and when SS kicks in. To get a starting point, look at your retirement account withdrawals in the detail reports. Then add special withdrawals starting when you retire, of about 10% higher. That's just a guess.

Be aware that special withdrawals are replacements for smooth withdrawals, not supplements. If the first attempt doesn't fix it, do the same thing a few times, increasing the amount of special withdrawals in steps.

You can also add a debt allowance (try $10K), then look at the regular assets report. Where it's negative, you're cash constrained. Increase your special withdrawals in the years before that, until regular assets are positive. It needn't be much, just not negative.

Dan Royer has some videos somewhere on the site that illustrate that process. That's where I first learned about it.

Chris
A relatively new user.