u/Nice_Promotion3756

setup:

• 30-year retirement projection
• Net worth displayed in today's dollars

What I did:

1. Added a one-time $100k expense (car replacement) in 2027
2. Added a -$100k withdrawal override on my Non-Registered Savings account in 2027 to force funding from non-registered (rather than letting Adviice default to TFSA or RRSP)

Result: Net worth dropped by only ~$55k, not the expected $100k.

What I tested for comparison:

• Removing the non-reg override (letting Adviice auto-select the source): net worth dropped by ~$173k — a much larger impact.
• My questions:

1. Why does a $100k withdrawal only reduce today's-dollar net worth by ~$55k ?
2. Is combining the expense entry + non-reg withdrawal override the correct way to force funding from a specific account for a one-time spend?

Thanks in advance!