Why does the optimizer say extra cash needs to be invested?
Where to find it: TIME MACHINE results → affected year; PRIORITIES
The baseline TIME MACHINE found cash that remained in Wallet because it could not be deposited through the available destinations. This can happen after a large property sale or other receipt, particularly when registered accounts have no room or deposit priorities exclude the non-registered accounts.
Open the affected year and inspect the positive wallet and warnings. Add a non-registered account if none exists, or review whether an existing one is permitted to receive deposits in PRIORITIES. Then submit the priorities and rerun the ordinary TIME MACHINE.
The Withdrawal Optimizer requires this baseline cash to be allocated before it runs. Correcting the destination makes the comparison use invested funds rather than a significant uninvested wallet balance.