diff --git a/Project.toml b/Project.toml
index 6b0bd0c..54d16d0 100644
--- a/Project.toml
+++ b/Project.toml
@@ -1,7 +1,7 @@
 name = "RetirementPlanners"
 uuid = "2683bf95-d0b8-4c71-a7d3-b42f78bf1cf0"
 authors = ["itsdfish"]
-version = "0.4.1"
+version = "0.4.2"
 
 [deps]
 ConcreteStructs = "2569d6c7-a4a2-43d3-a901-331e8e4be471"
diff --git a/src/core.jl b/src/core.jl
index 0695271..c099b21 100644
--- a/src/core.jl
+++ b/src/core.jl
@@ -224,7 +224,7 @@ function transact(
     income.amount.adjust ? nothing : (return income.amount.amount)
     (; Δt, state, start_age) = model
     (; amount) = income
-    amount.amount = start_age ≈ t ? (amount.initial_amount) : amount.amount
+    amount.amount = (start_age + Δt) ≈ t ? (amount.initial_amount) : amount.amount
     r = (1 + state.inflation_rate)^Δt
     amount.amount /= r
     return amount.amount
diff --git a/src/update_functions/withdraw.jl b/src/update_functions/withdraw.jl
index 9e985e7..fd1446c 100644
--- a/src/update_functions/withdraw.jl
+++ b/src/update_functions/withdraw.jl
@@ -33,7 +33,11 @@ end
 function _withdraw!(model::AbstractModel, t, withdraw::AbstractTransaction)
     (; Δt) = model
     if can_transact(withdraw, t; Δt)
-        model.state.withdraw_amount += transact(model, withdraw; t)
+        withdraw_amount = transact(model, withdraw; t)
+        if model.state.net_worth < withdraw_amount
+            withdraw_amount = model.state.net_worth
+        end
+        model.state.withdraw_amount += withdraw_amount
     end
     return nothing
 end
@@ -63,8 +67,5 @@ function transact(
     withdraw_amount = max(withdraw_amount, min_withdraw)
     withdraw_amount =
         max(withdraw_amount - state.income_amount * income_adjustment, 0)
-    if state.net_worth < withdraw_amount
-        withdraw_amount = state.net_worth
-    end
     return withdraw_amount
 end
diff --git a/test/transaction.jl b/test/transaction.jl
index a5c8062..baf8c18 100644
--- a/test/transaction.jl
+++ b/test/transaction.jl
@@ -19,8 +19,8 @@
         amount = transact(model, transaction; t = 2)
         @test amount ≈ 100 / 1.03^(2 / 12) atol = 1e-10
 
-        # reset amount 
-        amount = transact(model, transaction; t = 1)
+        # reset amount (recorded time starts at start_time + Δt)
+        amount = transact(model, transaction; t = 1 + 1 / 12)
         @test amount ≈ 100 / 1.03^(1 / 12) atol = 1e-10
     end