Say you have nobody to leave anything to and you can’t take it with you. What’s the plan? Is there a model where your SWR becomes a number that expects you to be broke by X number of years?

Similarly, what if at a certain age you’re fine living on SS and Medicare? Say 85 years old, I don’t care about expendable income I’ll live in my paid off house and need almost nothing other than some insurance to see doctors. If I get cancer..I die. That simple.

I’m not looking for advice on end of life thought processes l just want a financial model and plan that feeds the one I’m specifying. Thank you!