6a74 / wealthoptimizer Goto Github PK

Should have done this from the beginning. Something simple, like pytest will be fine.

This should work on all operating systems: Window, Mac, and Linux.

This would look really cool.

It's important to know which account is being withdrawn from. For example, the Rule of 55 only applies to 401k accounts, not IRAs. Also, when we add support for HSAs (#1) we will not be able to withdrawal until 65, compared to 60 (or 55) with 401k's.

And since your modeling looks at someone marrying at age 30, you should also consider being widowed, since the surviving spouse will then have to start filing taxes as Single in the following year. The space in each tax bracket for Singles is half as much as for MFJ, but the spouse will still have to continue taking the full RMDs each year. Other incomes may also not be cut in half. I'd estimate the typical Boglehead survivor would have 65% of their married income. And I've seen age 75 be used here for the age of being widowed.

This is a great suggestion. I think I can add support for being widowed, it shouldn't be too difficult. If it happens before retirement, I will (by default) cut income to 65% of its current value. And I'll introduce a "become widow at" setting with a default value of 75. The "age of death" setting should be thought of as the death of both persons.

It's way too complex to be a function. That was only temporary.

This is a good account for retirement savings.

It can be pretty slow with certain settings. These are all independent calculations, so there's no reason they can't be done concurrently.

This should make easier to read code.

Some employers restrict how much of your paycheck you can contribute.

There are sooo many columns. It's very difficult to read.

The tool should be able to export the configuration to a JSON file. Then the user can edit & load the file.

I think this is $6,500 at & after the age of 50.

I'm not sure these are quite right. Different circumstances require different orders.