Spending Report inconsistencies to Consumption Smoothing


Regardless of planning method used to run reports, the Spending table consistently shows discretionary spending in the years before electing for Social Security (post retirement age) to be lower by an amount roughly equal to the net Social Security amount. This seems inconsistent with the concept of smoothing consumption.

Also, both the Housing and Medicare part B spending amounts grow each year at 2.4% and 3.0% respectively. Is this because of a hard-coded assumption that those costs will grow beyond the average 2.0% inflation rate input elsewhere?

Is there a list of items that are defined as non-discretionary spending?

Does a list exist for what is defined as non-discretionary spending? I am wanting to compare my real life discretionary spending against what ESPlanner calculates, but I need to be able to subtract out my non-discretionary spending first. Thank you

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