Landshark Withdrawal Strategy Shareable

	A	B	C	D	E	F	G	H	I	J	K	L	M
1	Rate of Return	7%			Annual Spend	$120,000
2	Inflation	2%			Roth Conversion	$125,000
3
4	Age	Year	Cash	Taxable	HSA	Roth	Traditional	Total	Annual Spend	Notes	4% Rule	3.5% Rule	3% Rule
5	42	2021	$120,000	$935,000	$70,000	$1,300,000	$1,050,000	$3,475,000
6	43	2022	$122,400	$1,025,450	$82,100	$1,403,000	$1,177,500	$3,810,450
7	44	2023	$124,848	$1,097,232	$87,847	$1,626,210	$1,134,925	$4,071,062		Roth conversion begins
8	45	2024	$127,345	$1,054,038	$93,996	$1,865,045	$1,089,370	$4,229,793	$120,000		$169,192	$148,043	$126,894
9	46	2025	$129,892	$1,005,420	$100,576	$2,120,598	$1,040,626	$4,397,112	$122,400		$175,884	$153,899	$131,913
10	47	2026	$132,490	$950,952	$107,616	$2,394,040	$988,469	$4,573,567	$124,848		$182,943	$160,075	$137,207
11	48	2027	$135,139	$890,173	$115,149	$2,686,622	$932,662	$4,759,747	$127,345		$190,390	$166,591	$142,792
12	49	2028	$137,842	$822,594	$123,210	$2,874,686	$997,949	$4,956,281	$129,892	FAFSA/College	$198,251	$173,470	$148,688
13	50	2029	$140,599	$747,686	$131,835	$3,075,914	$1,067,805	$5,163,838	$132,490		$206,554	$180,734	$154,915
14	51	2030	$143,411	$664,884	$141,063	$3,291,228	$1,142,551	$5,383,138	$135,139		$215,326	$188,410	$161,494
15	52	2031	$146,279	$573,584	$150,938	$3,521,614	$1,222,530	$5,614,945	$137,842		$224,598	$196,523	$168,448
16	53	2032	$149,205	$473,135	$161,503	$3,768,127	$1,308,107	$5,860,078	$140,599		$234,403	$205,103	$175,802
17	54	2033	$152,189	$362,844	$172,808	$4,031,896	$1,399,675	$6,119,412	$143,411		$244,776	$214,179	$183,582
18	55	2034	$155,233	$241,964	$184,905	$4,439,129	$1,372,652	$6,393,882	$146,279		$255,755	$223,786	$191,816
19	56	2035	$158,337	$109,696	$197,848	$4,874,868	$1,343,737	$6,684,487	$149,205		$267,379	$233,957	$200,535
20	57	2036	$161,504	-$34,814	$176,884	$5,341,108	$1,312,799	$6,957,481	$152,189		$278,299	$243,512	$208,724
21	58	2037	$164,734		$34,033	$5,839,986	$1,279,695	$7,318,448	$155,233		$292,738	$256,146	$219,553
22	59	2038	$46,107		-$121,922	$6,373,785	$1,244,274	$7,542,243	$158,337		$301,690	$263,979	$226,267
23	60	2039	-$74,893			$6,870,057	$1,206,373	$8,001,537	$161,504		$320,061	$280,054	$240,046
24	61	2040				$7,311,227	$1,165,819	$8,477,045	$164,734		$339,082	$296,697	$254,311
25	62	2041				$7,779,983	$1,122,426	$8,902,410	$168,029		$356,096	$311,584	$267,072
26	63	2042				$8,278,193	$1,075,996	$9,354,189	$171,390		$374,168	$327,397	$280,626
27	64	2043				$8,807,849	$1,026,316	$9,834,165	$174,817		$393,367	$344,196	$295,025
28	65	2044				$9,371,085	$973,158	$10,344,242	$178,314		$413,770	$362,048	$310,327
29	66	2045				$9,970,181	$916,279	$10,886,460	$181,880		$435,458	$381,026	$326,594
30	67	2046				$10,607,576	$855,418	$11,462,994	$185,518		$458,520	$401,205	$343,890
31	68	2047				$11,285,878	$790,298	$12,076,176	$189,228		$483,047	$422,666	$362,285
32	69	2048				$12,007,877	$720,619	$12,728,496	$193,012		$509,140	$445,497	$381,855
33	70	2049				$12,776,556	$646,062	$13,422,618	$196,873	Social Security	$536,905	$469,792	$402,679
34	71	2050				$13,595,104	$566,286	$14,161,391	$200,810		$566,456	$495,649	$424,842
35	72	2051				$14,466,935	$480,926	$14,947,862	$204,826	RMDs	$597,914	$523,175	$448,436
36	73	2052				$15,395,698	$389,591	$15,785,289	$208,923		$631,412	$552,485	$473,559
37	74	2053				$16,385,295	$291,863	$16,677,158	$213,101		$667,086	$583,701	$500,315
38	75	2054				$17,439,903	$187,293	$17,627,196	$217,363		$705,088	$616,952	$528,816
39	76	2055				$18,563,985	$75,403	$18,639,389	$221,711		$745,576	$652,379	$559,182
40	77	2056				$19,762,319	-$44,318	$19,718,001	$226,145	Roth Conversion complete	$788,720	$690,130	$591,540
41	78	2057				$20,915,014		$20,915,014	$230,668		$836,601	$732,025	$627,450
42	79	2058				$22,143,784		$22,143,784	$235,281		$885,751	$775,032	$664,314
43	80	2059				$23,453,862		$23,453,862	$239,987		$938,154	$820,885	$703,616
44	81	2060				$24,850,846		$24,850,846	$244,786		$994,034	$869,780	$745,525
45	82	2061				$26,340,723		$26,340,723	$249,682		$1,053,629	$921,925	$790,222
46	83	2062				$27,929,897		$27,929,897	$254,676		$1,117,196	$977,546	$837,897
47	84	2063				$29,625,221		$29,625,221	$259,769		$1,185,009	$1,036,883	$888,757
48	85	2064				$31,434,022		$31,434,022	$264,965		$1,257,361	$1,100,191	$943,021
49	86	2065				$33,364,139		$33,364,139	$270,264		$1,334,566	$1,167,745	$1,000,924
50	87	2066				$35,423,959		$35,423,959	$275,669		$1,416,958	$1,239,839	$1,062,719
51	88	2067				$37,622,454		$37,622,454	$281,183		$1,504,898	$1,316,786	$1,128,674
52	89	2068				$39,969,219		$39,969,219	$286,806		$1,598,769	$1,398,923	$1,199,077
53	90	2069				$42,474,522		$42,474,522	$292,543		$1,698,981	$1,486,608	$1,274,236
54	91	2070				$45,149,345		$45,149,345	$298,393		$1,805,974	$1,580,227	$1,354,480
55	92	2071				$48,005,438		$48,005,438	$304,361		$1,920,218	$1,680,190	$1,440,163
56	93	2072				$51,055,370		$51,055,370	$310,448		$2,042,215	$1,786,938	$1,531,661
57	94	2073				$54,312,589		$54,312,589	$316,657		$2,172,504	$1,900,941	$1,629,378
58	95	2074				$57,791,480		$57,791,480	$322,991		$2,311,659	$2,022,702	$1,733,744
59	96	2075				$61,507,433		$61,507,433	$329,450		$2,460,297	$2,152,760	$1,845,223
60	97	2076				$65,476,914		$65,476,914	$336,039		$2,619,077	$2,291,692	$1,964,307
61	98	2077				$69,717,537		$69,717,537	$342,760		$2,788,701	$2,440,114	$2,091,526
62	99	2078				$74,248,150		$74,248,150	$349,615		$2,969,926	$2,598,685	$2,227,444
63	100	2079				$79,088,913		$79,088,913	$356,608		$3,163,557	$2,768,112	$2,372,667
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