Seems like the earnings are applied in the prior year, as I originally thought. Not sure how this is supposed to practically work: I don't even know what the earnings will be until my broker calculates it, so how can I iterate the calculation?
So here's my solution: My actual earnings on $120 is going to be somewhere around $5. That's not going to move the needle much on eligibility, (which moves in ten-dollar increments anyway). So I'll just take out $150, and that should cover whatever recursive mess results.
But seriously, how is this supposed to be done?
