u/Taotaomona13144

BLUF: Create a new Boldin scenario and input exactly these values.

STRESS TEST INPUT GUIDE
STEP 1 — Rate Assumptions (switch to Custom)
Setting
Input
General Inflation …4.5%
SS COLA … 1.5%
Housing Appreciation …0%
Medical Inflation … 6%
Weighted Rate of Return … 3.5%

STEP 2 — Longevity
Person … Input
You … 95
Wife … 100

STEP 3 — Income Reductions
Income Source / Current … Stress Test Input
Your SS (Nov 2029) …$1,907/mo
$1,335/mo
Wife’s SS (Sep 2030) …$2,500/mo
$1,750/mo
Military Pension COLA …2% to 0%
VA Disability COLA … 2.5% to 0%

STEP 4 — Add One-Time Expenses
Event … Amount When
Major home repair
$35,000 in 2028
LTC event (you) $75,000 in 2035
LTC event (Wife) $100,000 in 2042

STEP 5 — Survivor Income Loss ⚠️
This is your single biggest unmodeled risk. Both pensions show No Survivor Benefit.
In Boldin, add a negative windfall of −$54,864/yr (−$4,572/mo) starting 2033 to simulate your death before your wife. Run this as a separate sub-scenario.

STEP 6 — Long-Term Care
Change from Medicaid spend-down to:
Setting
Input
LTC Reserve (you) $200,000
LTC Reserve (your wife) $200,000

WHAT TO LOOK FOR
A plan that survives this scenario with savings above $0 through 2058 (your wife’s age 95→100 range) is genuinely stress-hardened. If it fails, the year it fails tells you exactly how much buffer you need.

Thoughts?