Flight plan · retirement descent v3

Remaining % (not tax-deferred or taxable) is treated as tax-free, e.g. Roth. Tax-deferred withdrawals taken before age 59½ carry a 10% early-withdrawal penalty on top of ordinary income tax, applied as a flat addition to the blended rate for those years only.

Bear / Base / Bull set these six expected annual returns at once. Volatility per asset class is fixed (shown alongside) and used for the shock and Monte Carlo math. Edit any slider to switch to Custom.

Power law: Price = 1.0117×10⁻¹⁷ × (days since Jan 3, 2009)^5.82 (Santostasi/Burger fit, R²≈0.956). MSTR price modeled as BTC-per-share × power-law BTC price × mNAV premium; BTC-per-share compounds annually at the yield above (linearly interpolated 2026→2030, flat after). Both ends of every phase use the model's own price, so this doesn't need today's actual spot price — only the calendar dates.

Set the asset mix for each phase. Blended return, volatility, and BTC+MSTR concentration are computed live from the weights and the return assumptions above.

GG / SG / NG checkboxes control whether each expense applies during Go-Go, Slow-Go, or No-Go. Uncheck a box to drop that expense out of that phase entirely — e.g. travel is unchecked for No-Go by default.