If I'm still working but not earning enough to cover my expenses, how do I model those expenses?
Enter such expenses in the Goals & Additional Expenses section. Set the Start Age to start now or sometime before retirement, and these expenses will be paid out of investment accounts. For example, say you are paying for a child's college education before retirement, and that expense will last four years. In the image below, this expense will start when at 60 and will last for four years.