Portfolio: Total projected balance.   Accessible: Roth + brokerage + checking (tax-advantaged or after-tax).   Pre-Tax: 401k + trad IRA balance (taxable on withdrawal; merged into accessible at access age).   Need: Nest egg required at that age to sustain retirement to life expectancy.   Ann. Income: Salary + inv. returns while working; SWR withdrawal + SS after retirement.   Gross Draw: Monthly gross portfolio withdrawal needed (before SS offset).   Net Draw: Actual monthly dollars pulled from portfolio after SS offsets expenses.   Total Burn/mo: Living expenses + healthcare + estimated taxes — total monthly cash needed from all sources.   Savings/mo: Monthly contributions to portfolio during working years.   ★ Roth Window: Years between retirement and SS / age 75 where income is lowest — prime time for Roth conversions.   Not financial advice — verify SS at ssa.gov/myaccount.