#!srfv1
# Pre-retirement projection: target spending only.
#
# Pat (born 1981) and Sam (born 1983) want to spend $80k/yr in
# retirement (today's dollars, CPI-adjusted). Combined annual
# contribution while working: $80k/yr.
#
# This file exercises the target-spending input - the user has
# anchored a spending number (`target_spending:num:80000`) but no
# retirement date. The projections command searches for the
# earliest accumulation length that sustains that spending at each
# configured (horizon × confidence) pair, renders the resulting
# grid, and promotes one cell into the Accumulation phase block as
# the headline. The default promotion rule prefers an age-of-death
# (`horizon_age`) column at 99% confidence - the "plan to the last
# survivor" answer - falling back to the longest numeric horizon that
# keeps the oldest person under age 100. See
# `pre-retirement-spending-target/` for the explicit-override variant.

# Asset allocation target (80% stocks / 20% bonds - typical pre-retirement)
type::config,target_stock_pct:num:80

# Distribution-phase horizons to simulate
type::config,horizon:num:25
type::config,horizon:num:35
# Plan through age 95 - anchored on the youngest partner (the last
# survivor), so the money lasts until they reach 95.
type::config,horizon_age:num:95

# Annual household contribution to retirement accounts
type::config,annual_contribution:num:80000
type::config,contribution_inflation_adjusted:bool:true

# Target retirement spending - the projections command searches for
# the earliest accumulation year at which this spending level is
# sustainable across each configured (horizon × confidence) pair.
type::config,target_spending:num:80000
type::config,target_spending_inflation_adjusted:bool:true

# Birthdates (drives life-event ages even without a configured retirement date)
type::birthdate,date::1981-04-12
type::birthdate,date::1983-09-08,person:num:2

# Social Security at age 70 (more conservative claim age)
type::event,name::Social Security (Pat),start_age:num:70,person:num:1,amount:num:38400
type::event,name::Social Security (Sam),start_age:num:70,person:num:2,amount:num:36000

# College tuition for the kids - 4-year overlap when Pat is age 50-53
type::event,name::College Tuition,start_age:num:50,person:num:1,duration:num:4,amount:num:-55000