I think you have a point. I should have been more clear. What I'm saying is I don't account for anticipated withdraw when investing. That's not to say I don't or won't do it, just that it's not a consideration when putting the money in.

I treat the question of if I can afford to take money out or if it is a good time to take money out as an entirely separate topic.

I found that trying to optimize investing and weigh risks for a short-term Horizon will drive you crazy.