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by bo_knows
Tue Aug 22, 2017 2:16 pm
Forum: cFIREsim Open Source Project
Topic: Spending cannot be inflated
Replies: 14551
Views: 99359

Re: Spending cannot be inflated

On the output page, spending (and saving) is shown in inflation-adjusted dollars. Therefore, it will stay the same number the whole simulation. If you did it without inflating the spending, you'd see that value drop (due to inflation).
by bo_knows
Fri Aug 12, 2016 2:55 pm
Forum: cFIREsim Bugs
Topic:
Replies: -1
Views:

Re: Different success rates between old and new calculators!

I believe the newer calculator to be more accurate. However, I will be the first to tell you: Any 1 calculator is not gospel (especially if you're using a rigid and flat spending plan). You can various different calculators and come up with a composite answer, but the reality is that you should have...
by bo_knows
Fri Aug 05, 2016 2:03 pm
Forum: cFIREsim Bugs
Topic: Withdrawals dipping below spending floor
Replies: 0
Views: 5238

Re: Withdrawals dipping below spending floor

Some of these only dip below the floor at the very end of a simulation, and that is because cFIREsim doesn't allow the simulation to withdraw more money than is in the portfolio. If, for instance, you have a 40k spending level... and in year 30 you have 22k in your portfolio. Your simulation will &q...
by bo_knows
Fri Aug 05, 2016 2:00 pm
Forum: cFIREsim Bugs
Topic:
Replies: -1
Views:

Re: Different success rates between old and new calculators!

Sorry the delay here. They are not exactly the same, because the newer version calculates bonds a LITTLE differently. Also, the "7 failures vs 1 failure" note: It's very well possible that those 6 different scenarios were BARELY above the success line to begin with. Just playing devil's ad...
by bo_knows
Fri Aug 05, 2016 1:48 pm
Forum: General Forum
Topic: SS effect in export ?
Replies: 1
Views: 2709

Re: SS effect in export ?

What do you mean by this exactly? cFIREsim only really takes an input from you on Social Security. Your actual payments can be figured out on http://www.ssa.gov. If you're looking to the effect that it has on your simulation, the CSV file (which you download at the graphs page) has a column called &...
by bo_knows
Fri Aug 05, 2016 1:43 pm
Forum: General Forum
Topic:
Replies: -1
Views:

Re: Failing 4% SWR

The infamous "4 % rule" was based on 30yr periods and 70/30 or 60/40 equities bonds. https://en.wikipedia.org/wiki/Trinity_study

Your simulation is 40 years, and has a fairly significant cash allocation which drags it down.
by bo_knows
Thu May 12, 2016 4:47 pm
Forum: General Forum
Topic: Thoughts on Hebeler vs GK/VPW
Replies: 11
Views: 17567

Re: Thoughts on Hebeler vs GK/VPW

Can anyone explain the guyton klinger fields please ? Exceeds Cut Fall Raise Spending Floor (inflation adjusted) Spending Ceiling (inflation adjusted) The gist of it is that it changes your spending level based on whether the market goes up or down. For each scenario (market up / market down) there...
by bo_knows
Wed May 11, 2016 2:43 pm
Forum: General Forum
Topic: Sharing Sims ?
Replies: 4
Views: 3868

Re: Sharing Sims ?

coachz wrote:When I load a sim i get


If I change the URL to http://cfiresim.com/input.php?id=1600 it seems to work. Is that what I need to do ?


Yeah, thats the way to do it. The URL that loads in your browser when you load it, that is encoded with session information from your login. Won't work for others.
by bo_knows
Wed May 11, 2016 1:40 pm
Forum: General Forum
Topic: Sharing Sims ?
Replies: 4
Views: 3868

Re: Sharing Sims ?

URL still works for me.

Are you doing it in this format? http://cfiresim.com/input.php?id=214 <---- ID of your saved sim, which is displayed in the Load Saved Sim dropdown.
by bo_knows
Sat Apr 23, 2016 1:45 am
Forum: cFIREsim Feature Requests
Topic: Newbie UI Problem on Solution popup
Replies: 1
Views: 4542

Re: Newbie UI Problem on Solution popup

Yeah, I assumed that no one would be on the site long enough to go through 10 simulations or more. I'll look to add some functionality to alleviate this issue.

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