Marcus, 55 — North Carolina
Marcus starts the bridge with $1,250,000 in traditional accounts, $180,000 in Roth accounts, and $220,000 in taxable accounts.
Existing fixture · computed at build time by shipped engines
- Portfolio
- $1,685,000
- Monthly spending
- $7,200
- Historical survival
- 72%
- Windows survived
- 83 of 115
“What does a Roth ladder change in the picture?”
A ladder changes where money sits and when taxable income appears. This fixture supplies the account balances but no annual conversion schedule, so this article does not invent a conversion amount. It shows the exact starting pools: $1,250,000 traditional, $180,000 Roth, and $220,000 taxable.
“How resilient is the underlying bridge?”
The canonical drawdown plan survives 83 of 115 historical windows, producing a floored 72% result. 32 complete windows finish depleted.
“Where does the stress test bend?”
The lower historical band records depletion at age 73. The median tested spending reduction across failed windows is 14%. Those outputs describe the stress test; they do not prescribe a conversion or spending choice.
These are Marcus’s fixture results. RunwayFI recomputes the same engines from each household’s facts and plan assumptions.
RunwayFI provides educational planning estimates, not financial advice. Consult a qualified professional before making financial decisions.