You make a fair point, but part of my goal with this thread has been exactly that - a review of the spreadsheet and the data it generates. This page has been under review for about a year, lots of people have looked at it, and anyone has been free to raise concerns about that part of the page, and none have surfaced. How many people took an in-depth look into it? Probably a handful at best. But I can't force people to review it, I can just put it out there and respond to the feedback I receive.Another thing to consider: it was many months and thousands of views before this forum post: Retiree Portfolio Model - Bogleheads.org led to this wiki article: Retiree Portfolio Model - Bogleheads.
Under the philosophy that a wiki is not a publisher of original thought or research, the spreadsheet section should be omitted from the wiki until it has been vetted by a larger audience. It's a gray area, but discretion does seem the better part of valor.
Are you willing to review it yourself? You're a sharp guy and I bet you could spot something out of place. The latest version of the spreadsheet is much more reader-friendly and has a one-click macro that generates the tables. Most of the math is actually very simple - (1+r)^t and (1 - mtr) and such. The taxable equations are a bit more complex but they are accepted formulas and are elsewhere on the wiki.
Did you find any other retirement tax planners that optimize for heirs? A comparison to an existing tool would probably be best (if one exists).
Statistics: Posted by fyre4ce — Tue Jun 11, 2024 12:25 am — Replies 164 — Views 16025