In "version 8" (that sounds so formal for something where I'm just goofing around) of my Retirement Game I added a feature where one can start to "fade" income in late career. For example, starting at age 50 and until age 65, income will decline by x% (say 50%) in equal increments from age 50-60. So 100k becomes 50k over 15 years. This was just a little dose of reality in an otherwise unrealistic game. I still want to make the start age something variable other than a hard coded "25" but that would take way more mental energy than I can conjur right now.
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