The drawdown suggestion is a winner. Planning to include this into the spec to replace the glide. The target then becomes 1.5x the tipped amount while the spending limit allows rather than as long as the pool has reserves.
The formula becomes I4 = average income, last 4 weeks limit = (I4 + reserve ÷ 13) ÷ 1.1 budget = min(1.5 × T4, limit)
The drawdown suggestion is a winner. Planning to include this into the spec to replace the glide. The target then becomes 1.5x the tipped amount while the spending limit allows rather than as long as the pool has reserves.
The formula becomes
I4= average income, last 4 weekslimit= (I4 + reserve ÷ 13) ÷ 1.1budget = min(1.5 × T4, limit)https://stasher.news/uploads/905
still processing other feedback offered.