The words Landfall uses

Most of the words in Landfall are ordinary ones used precisely. Where a plan means something particular by one, this is what it means:

• Pot — where money sits. Bank savings, an ISA, a taxable account or a pension.
• Holding — a split inside a pot, with its own growth rate.
• Growth — the rate a pot or a holding is expected to make each year.
• Spending phase — a stretch of years with its own yearly spend. Its end comes from the phase after it.
• Tax-free cash — the part of a pension that can be taken without income tax.
• Crystallised — the part of a pension brought into use: the tax-free cash taken from it and the money moved into the part you draw from, or the whole of a withdrawal taken a quarter tax-free.
• Guaranteed income — a pension that pays for life, whether it comes from a scheme or an annuity.
• Runs short — spending a year could not meet after every pot was drawn. Pots reaching zero is not the same thing.
• Left at the end — everything the household still holds in the last year of the plan.
• Your record — the years you have logged, and the changes you already know are coming.
• Scenario — one run of the stress test.
• Emergency fund — months of everyday spending, held in bank savings and kept back from the rest.

Each of these has a topic of its own where it matters most.