"IRA Only" Source Bug Probe

Runs two identical scenarios — both with source = 'ira' — at $100K/yr and $1M/yr. If the engine honors the "IRA Only" setting, the Roth column should stay $0 until the IRA is fully depleted in both cases.

No console required. Take a screenshot of this page and send it back — it tells me exactly which path the bug is on.

Scenario A — $100,000 / yr

Withdrawal: $100,000/yr · Ages 73–94 · Source = IRA Only

What the engine sees on the normalized stream

stream.source: ira

stream.splitMode: none

Did Roth get drained while IRA still had money?

NO — sourcing correct

Age	IRA BoY	Roth BoY	IRA Wd	Roth Wd
73	$3,378,958	$1,689,479	$100,000	$0
74	$3,475,695	$1,790,848	$100,000	$0
75	$3,578,237	$1,898,299	$0	$0
76	$3,638,747	$2,012,196	$0	$0
80	$3,826,236	$2,540,352	$0	$0
85	$3,874,577	$3,399,564	$0	$0
90	$3,613,702	$4,549,383	$0	$0
94	$3,126,424	$5,743,491	$0	$0

Show normalized stream JSON

{
  "schemaVersion": 3,
  "streams": [
    {
      "id": "ira_only",
      "priority": 1,
      "disabled": false,
      "label": "IRA Only — $100,000/yr",
      "mode": "specified",
      "amount": 100000,
      "startAge": 73,
      "endAge": 94,
      "frequency": "annual",
      "source": "ira",
      "useSmartLogic": false,
      "inflationAdjusted": false,
      "inflationStartAmount": 0,
      "durationMode": "age_window",
      "fallbackMode": "none",
      "splitMode": "none",
      "splitIraPct": 50,
      "splitRothPct": 50,
      "splitIraDollar": 0,
      "splitRothDollar": 0
    }
  ]
}

Scenario B — $1,000,000 / yr

Withdrawal: $1,000,000/yr · Ages 73–94 · Source = IRA Only

What the engine sees on the normalized stream

stream.source: ira

stream.splitMode: none

Did Roth get drained while IRA still had money?

YES — BUG REPRODUCED

Age	IRA BoY	Roth BoY	IRA Wd	Roth Wd
73	$3,378,958	$1,689,479	$1,000,000	$0
74	$2,521,695	$1,790,848	$1,000,000	$0
75	$1,612,997	$1,898,299	$934,431	$0
76	$649,777	$2,012,196	$622,360	$350,223
80	$0	$0	$0	$0
85	$0	$0	$0	$0
90	$0	$0	$0	$0
94	$0	$0	$0	$0

Show normalized stream JSON

{
  "schemaVersion": 3,
  "streams": [
    {
      "id": "ira_only",
      "priority": 1,
      "disabled": false,
      "label": "IRA Only — $1,000,000/yr",
      "mode": "specified",
      "amount": 1000000,
      "startAge": 73,
      "endAge": 94,
      "frequency": "annual",
      "source": "ira",
      "useSmartLogic": false,
      "inflationAdjusted": false,
      "inflationStartAmount": 0,
      "durationMode": "age_window",
      "fallbackMode": "none",
      "splitMode": "none",
      "splitIraPct": 50,
      "splitRothPct": 50,
      "splitIraDollar": 0,
      "splitRothDollar": 0
    }
  ]
}