First Year Recommendations and General Timing of Savings Earnings Availability in Reports

I am trying to understand the timing of withdrawals and available funds for all years and specifically the first year recommendations. I did a straight percentage return (no Monte Carlo) to help figure this out. From what I see in the reports in appears that balance at the start of the year is increased by the rate of return to generate a balance at the end of the year and then the withdrawal is made from the account, if required. Is that correct? I want to make sure I understand when the model calculates I am going to make the withdrawals - at the begining, through the year or at end of the year so that I am not withdrawing when the program expects the money is earning a return.

My sense is that the current year's spending is not covered. Specifically, this year we are down to one income and will start spending savings as we work toward the consumption number outlined in the report. I am not sure if I need to hold back funds for the current year (outside the program) or if this is somehow reflected in the 2010 Suggestions (for the current Year)

Thanks for clarifying
Jeff Wortman