Forced "spending" to taxable accounts?
I like using the consumptions smoothing feature. But I'm unsure how to model scheduled/mandatory contributions to taxable accounts as an expense like I can with pre-tax and Roth accounts. If seems I must be missing something. For example, suppose consumption smoothing shows I can spend $50,000 each year based on all the other assumptions. But what if I want to see what happens if I devote $25,000 of that spending for 5 years towards investments instead? For now I've just been including that extra as an after-tax contribution to a retirement account, but of course that does not lead to the correct tax treatment.