FI Workbook.xlsx

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V	W	X	Y	Z	AA	AB	AC	AD	AE	AF	AG	AH	AI	AJ	AK	AL	AM	AN	AO	AP	AQ	AR	AS	AT	AU	AV	AW	AX	AY	AZ	BA	BB	BC	BD	BE	BF	BG	BH	BI	BJ	BK
1	ASSUMPTIONS								CONCLUSIONS
2					Taxable	Traditional	Roth					Totals at 60 y/o (before annual withdrawal)				Depleted Age
3	Tax Bracket	22%		Invest	$ -	$ 18,000	$ 7,500
4	Retirement Tax Bracket	15%									Taxable	Trad	Roth	Total
5	Tax on Growth	15%
6	Retirement Tax on Growth	0%							Taxable		$ -			$ -		-
7	Growth Rate	10%							Trad (Penalty)			-$ 2,337,489		-$ 2,337,489		-
8	Pre-tax Contribution	$ 18,000							Trad (72t)			$ -		$ -		-
9	Early Withdrawal Penalty	10%							Trad (Roth Ladder)			$ -	$ 500,659	$ 500,659		-
10	Withdrawal Amount	$ 100,000							Roth				$ 2,034,841	$ 2,034,841		-
11	Post-60 Withdrawal Amt	$ 200,000
12
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14	WORKING PERIOD
15		26	27	28	29	30	31	32	33	34	35	36	37	38	39
16	Taxable	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -	$ -
17	Trad	$ 55,000	$ 78,500	$ 104,350	$ 132,785	$ 164,064	$ 198,470	$ 236,317	$ 277,949	$ 323,743	$ 374,118	$ 429,529	$ 490,482	$ 557,531	$ 631,284	$ -
18	Roth	$ 75,000	$ 90,000	$ 106,500	$ 124,650	$ 144,615	$ 166,577	$ 190,734	$ 217,308	$ 246,538	$ 278,692	$ 314,061	$ 352,968	$ 395,764	$ 442,841	$ -
19
20	WAITING PERIOD
21		40		41		42		43		44
25	Trad (Roth Ladder)	$ 576,765	$ 100,000	$ 516,794	$ 210,000	$ 450,827	$ 331,000	$ 378,263	$ 464,100	$ 298,442	$ 610,510
26	Roth		$ 487,125		$ 535,837		$ 589,421		$ 648,363		$ 713,199
27
28	EARLY RETIREMENT
29		45		46		47		48		49		50		51		52		53		54		55		56		57		58		59
33	Trad (Roth Ladder)	$ 210,639	$ 671,561	$ 114,056	$ 738,717	$ 7,814	$ 720,403	$ -	$ 692,443	$ -	$ 661,688	$ -	$ 627,856	$ -	$ 590,642	$ -	$ 549,706	$ -	$ 504,677	$ -	$ 455,144	$ -	$ 400,659	$ -	$ 340,725	$ -	$ 274,797	$ -	$ 202,277	$ -	$ 122,505
34	Roth		$ 784,519		$ 862,971		$ 949,268		$ 1,044,195		$ 1,148,615		$ 1,263,476		$ 1,389,824		$ 1,528,806		$ 1,681,687		$ 1,849,855		$ 2,034,841		$ 2,238,325		$ 2,462,158		$ 2,708,373		$ 2,979,211
35
36	STANDARD RETIREMENT
37		60		61		62		63		64		65		66		67		68		69		70		71		72		73		74		75		76		77		78		79		80		81		82		83		84		85		86		87		88		89		90
41	Trad (Roth Ladder)	$0	$134,755	$0	$148,231	$0	$163,054	$0	$179,359	$0	$197,295	$0	$217,025	$0	$238,727	$0	$262,600	$0	$288,860	$0	$317,746	$0	$349,520	$0	$384,472	$0	$422,920	$0	$465,211	$0	$511,733	$0	$562,906	$0	$619,196	$0	$681,116	$0	$749,228	$0	$824,150	$0	$906,566	$0	$997,222	$0	$1,096,944	$0	$1,206,639	$0	$1,327,303	$0	$1,260,033	$0	$1,186,036	$0	$1,104,640	$0	$1,015,104	$0	$916,614	$0	$808,276
42	Roth		$3,077,132		$3,184,845		$3,303,329		$3,433,662		$3,577,029		$3,734,731		$3,908,205		$4,099,025		$4,308,928		$4,539,820		$4,793,802		$5,073,183		$5,380,501		$5,718,551		$6,090,406		$6,499,447		$6,949,391		$7,444,330		$7,988,763		$8,587,640		$9,246,404		$9,971,044		$10,768,148		$11,644,963		$12,609,460		$13,670,406		$14,837,446		$16,121,191		$17,533,310		$19,086,641		$20,795,305
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