Model retirement spending less than 'smoothed consumption'
I want to understand the effect of spending less than the esplanner 'smoothed consumption' amount. For example, say my smoothed consumption number is 100,000, but I only have expenses of 70,000 - what is the impact? What is the best way to see this? I suppose I could enter a special receipt every year for the difference - is this right, or is there some more elegant way to proceed?