I've been playing around with FICalc, and since I don't have dependents and love the idea of dying with zero, I selected the Dynamic SWR option for the simulations. I dug a bit deeper and used their recommended Investment Withdrawal Calculator to get a table of withdrawals year by year.
What it showed me was withdrawals increasing steadily year by year.
The problem is I don't want to be withdrawing/spending my largest amounts in my 90s. I want to do so in the decades when my health is at its best (early-ish).
So I went over to ChatGPT and told it to create a similar table, but to front-load spending in the first two decades of retirement (and told it to assume I have access to non-US healthcare).
It gave me almost the same table as the first tool (steadily increasing withdrawals). When I re-insisted it front-load, it started hallucinating.
I recognize that there's sequence of returns risk to be aware of and that spending too much too soon could jeopardize my retirement. But I'd still like to see a few models to understand what's reasonable to consider and what isn't.
Can anyone make some recommendations on how to do that?
I'm also open to the possibility that I've got this all wrong and will gladly take suggestions on how to think differently about this.
tl;dr I want to see a year-by-year table of withdrawals that'll have me dying with zero, but with some of the spending front-loaded to my healthiest years. Open to other suggestions too.
Thanks!