Ah - you were right, thanks. I've been looking at everything in current dollars because I find that more intuitive for numbers far in the future. For anyone else reading, if you get this issue with your HELOC, one thing you could try is to "link" your HELOC to the regular mortgage. As described in the ebook, this will increase the HELOC limit as your regular mortgage is paid down. To make this link, when you are entering the properties of the loan, there is a drop down menu: "If linked to term Loan, Select the loan". Just pick the relevant regular mortgage. 

Thank you for the response. Perhaps interestingly, I have another financial planning software package where it's *only* possibly to run scenarios as if it's January 1 of the current year. It's not as powerful as this app though, so I prefer to run this one. Thanks again. 

Hi - I am having a similar issue. I have a HELOC set up with a limit of $500,000. Basically, the HELOC gets used for a while without the wallet, and then after a while the wallet starts being used, even though the HELOC is not at its limit. 

Anyone have a suggestion? I'll probably try working around the cash flow issue without using the HELOC by lowerig my expenses for those years, but the more realistic scenario is probably using the HELOC. Thanks. 

(The details, for anyone interested, are roughly: The HELOC starts being used in 2030, and gradually builds up to a balance of $330,000 by 2039 before we start to pay it off. Wallet is not used until 2042, where it has a balance of $1, while the HELOC is $315,000 (so, lots of room left). The wallet balance stays at $1 until 2048, when it starts to be used for ~$30,000/year for a while, reaching a balance of $141,000 by 2052. The HELOC in 2052 is at $240,000. Both are paid off by 2059. 

I'm probably doing something wrong, but I've spent a couple hours on it, changing things around, and it's not obvious to me what the problem is.)

Hi - if I want to run the projections in the time machine as if today is Jan 1, 2024, is that possible? I understand I would have to set all account balances to their values as at Jan 1 as well. But then I wouldn't have to enter the taxes and dividends paid to date, for example, and I could keep sensitivity testing with a constant base throughout the year. The AI bot seems to think there is a prompt for this in the time machine, but I don't see it. Thank you. 

ps. I love the software. It's truly amazing.