{
  "summary": "7%:$90,000:$85,000",
  "sorrAnchorMode": "retirement_start",
  "sorrCustomAgeInput": 80,
  "sorrCustomReturnsInput": "-20, -10, 5, 18, 12, 9, 7",
  "sorrShowOverlay": true,
  "sorrShowWithdrawalOverlay": false,
  "sorrShiftWithSlider": false,
  "dollarModeToggle": false,
  "filingStatus": "mfj",
  "baseAgeInput": 64,
  "maxAgeInput": 98,
  "baseYearInput": 2026,
  "initialAmount": 1800000,
  "initHsaBalanceInput": 0,
  "init401kPct": 65,
  "initRothPct": 20,
  "initBrokerageBasisPct": 90,
  "returnRateSlider": 7,
  "useCashOut": true,
  "homeBaseValInput": 350000,
  "homeAppreciationRateInput": 4,
  "cashOutAmount": 468013,
  "cashOutAge": 75,
  "isCashOutManual": false,
  "communityBuyIn": 400000,
  "buyInAgeInput": 75,
  "isBuyInAgeManual": false,
  "buyInHSA": false,
  "buyInHSAAmount": "",
  "isBuyInHSAManual": false,
  "buyInEquityPercent": "80",
  "periodsPerYearInput": 26,
  "biweeklyMatch": 300,
  "contrib401kSplitInput": 75,
  "limitBaseInput": 32500,
  "limitCatchupInput": 35750,
  "catchupStartAgeInput": 60,
  "catchupEndAgeInput": 63,
  "wageIncomeInput": 0,
  "wageEndAgeInput": 64,
  "ssPrimaryAmountInput": 48000,
  "ssPrimaryAgeInput": 70,
  "includeSpouseSS": true,
  "ssSpouseAmountInput": 20000,
  "ssSpouseAgeInput": 67,
  "ssTaxablePctInput": 85,
  "deductTaxesFromPortfolio": true,
  "scaleRateWithReturn": false,
  "useIrmaaLookback": true,
  "inflationRateInput": 2.5,
  "rmdStartAgeInput": 75,
  "hsaContribInput": 8000,
  "hsaContribStartAge": 55,
  "hsaContribEndAge": 70,
  "hsaMedCostInput": 7000,
  "hsaMedStartAge": 70,
  "stdDeductionInput": 32200,
  "seniorDeductionInput": 1650,
  "seniorAgeInput": 65,
  "taxpayerCountInput": 2,
  "bracketCeilingInput": 100800,
  "cgZeroLimitInput": 98900,
  "cgFifteenLimitInput": 613700,
  "irmaaBaseThresholdInput": 218000,
  "irmaaPeopleInput": 2,
  "withdrawalPhases": [
    {
      "id": "wp_1",
      "name": "Bucket Buffer Draw",
      "enabled": true,
      "rate": 6,
      "min": 90000,
      "max": 90000,
      "duration": 7
    },
    {
      "id": "wp_2",
      "name": "Steady Replenishment",
      "enabled": true,
      "rate": 5,
      "min": 85000,
      "max": 85000,
      "duration": 27
    }
  ],
  "contributionStages": [],
  "oneTimeEvents": []
}