Traditional IRA and the RMD

[Be Here Now]

I can help with your second iteration. I have developed a spreadsheet that models RMDs combined with total return growth, and lets you simultaneously model withdrawals based on the mechanics of the 4% rule. I did not try to separate capital growth from dividend growth because the RMD rules are based on total account value. If you are interested, post your email here or you can use a private IM on Seeking Alpha - I have the same moniker there.