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I wish there were a calculator or application (or freindly local mathematician!) that allowed you to mess around with more inputs--like different lifespans (most calculators assume at least average or even age 90 or 100), lower-earner getting 70% of higher-earner's benefit, starting SS at ages other than 62/66/70, what happens when you collect SS early along with a low portfolio WR vs SS later with a high early WR.

Then there's the issue of whether to spend taxable vs IRA stash first! Conventional wisdom used to be taxable first, but now I'm seeing IRA first in some articles.
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