Hello! I’ve studied this blog/archives along with many others and can’t seem to find if it is appropriate (and if so how) to account for expected pension (and to a lesser extent SS) that will start years after ER? If I just use the 4% rule then I’m not quite there (especially when I boost expenses to add a buffer). But I’ve created a year by year spreadsheet and once pension and SS kicks in, I don’t need to spend retirement savings near as much, thereby showing I’ll die with too much money. Or is pension and SS not included due to the unknowns of whether they’ll actually happen (mine would be from a federal job so who knows what Congress will do to change the deferred retirement rules). Thanks ahead of time for any ideas!