Hi.
We use our TFSA accounts as an Emergency Fund, so when I run the WITHDRAWAL OPTIMIZER I don't want it to withdraw anything from these accounts, so I set their Withdrawal PRIORITYs as follows: Bottom of list of Withdrawal Accounts with Limits % = 0.0.
But when I run the WITHDRAWAL OPTIMIZER it (still) withdraws a few thousands of dollars from these TFSA accounts in the first 5 years, and then deposits money in the remaining years.
It's not a huge deal in my long-term financial planning, and I suspect it has something to do with the complexities of the WITHDRAWAL OPTIMIZER algorithm explained in the eBook (p.99), but is there a way to set things up so that it never withdraws from a certain account? Then I won't have to answer that question when my spouce eventually asks. 😉
Thanks for great application.
Paul D.