I’ve been trying to model using a SBLOC in a FIRE simulator to cover the gap between retirement below 65 and when 401k/social security kicks in versus selling a

I’ve been trying to model using a SBLOC in a FIRE simulator to cover the gap between retirement below 65 and when 401k/social security kicks in versus selling and paying capital gains, and it looks like you come out ahead of selling stock like 90% of the time, but 10% of the time it’s much riskier and you go broke.