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Thanks for your diligent work BigFoot! You have helped me figure out the optimal ages for SS in my circumstance.

Two thumbs up from me! Version 5.5 is great! I like the "Start Year" for withdrawals - it is a very good solution. And the additional tax brackets make your model more robust. Great job BigFoot!

:D BigFoot, you are on the ball! You provide better support than commercial software vendors! Strategies for Tax-Efficient Retirement Withdrawal is a whole other topic. Here is one link: http://www.fpanet.org/journal/CurrentIssue/TableofContents/TaxEfficientRetirementWithdrawalPlanning/ The above ar...

:happy Bigfoot, thanks for your Roth Model. It is a very good tool for learning about Roth IRAs and the tax situation. My question was "how much should I convert in 2012, before the 2013 tax increases?" I had to do some fiddling, but I arrived at the answer using your Roth Model. You did a...