I want to withdraw from my IRA before one of my accounts that is in the Taxable & Tax-Advantaged section. How do I do this?

There are two ways to control this. You can set an age when funds can be used from an account in the Taxable & Tax-Advantaged section, thereby "locking it out" for a set time period as you can see in the screenshot below. The last screenshot below shows you how to only use an account once all other accounts are depleted. [...]

Does the program take into account the Net Investment Income Tax on capital gains and dividends?

The program calculates whether this tax should be applied to capital gains and dividends. In the Cash Flow Projections section (screenshot below) you can see if this tax affects you. src="https://cdn.livehelpnow.net/clients/21145/kb/niit1_52ba475a-4798-46d7-8bc1-3fc544b2b492.png" id="989a6d5b-5e23-42e2-9753-278510c8d45e" alt="niit1" width="90%" height="auto" [...]

Where do I add contributions to my investment accounts?

Enter annual contributions under Cash Flow Inputs-->Investment Assets as seen in the screenshot below. src="https://cdn.livehelpnow.net/clients/21145/kb/acontr1_7b029016-c5c1-4f72-9dcf-e947af729aca.png" id="e0a54f5f-1127-4d32-8be9-282a3ffacf7d" alt="acontr1" width="90%" height="auto" data-image="e0a54f5f-1127-4d32-8be9-282a3ffacf7d [...]

I want to create my own asset class. How do I do this?

You can create your own asset classes and assign annual returns to them in Global Settings > Asset Class Mapping. When adding custom asset classes, you will also map those asset classes to pre-defined asset classes for the purposes of running Monte Carlo simulations. This is because we will not have standard deviation and correlation data for the custom asset classes. After entering the asset [...]

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 56 and will last for 4 years. [...]