mdlacasse/Owl — reverse-engineered prompt

Build me a Python Streamlit app for retirement planning called Owl. I want regular people in the US to enter their household details, savings accounts, 401k, Roth IRA, taxable accounts, Social Security, expected spending, retirement dates, and assumptions about returns.

The app should help explore the best plan for contributions, withdrawals, Roth conversions, and required minimum distributions, while accounting for federal taxes, ACA premiums before Medicare, Medicare premiums, and basic Social Security rules. It should let users compare fixed returns, historical back testing, and Monte Carlo style random return scenarios.

Make the interface friendly, with clear forms, helpful explanations, charts, and downloadable results so someone can save and reload a case later. Don’t store or forward personal data. Include a clear disclaimer that this is for education and research, not financial or tax advice.

Use optimization under the hood where it makes sense, and look up current docs online if needed.