Instead of cutting off funding to the goals or to the client's living expenses, we will assume that the set Living Expenses and proposed goal target amounts are important enough that the advisor would recommend that the client debt finance those instead. Thus, a simulated Loan Balance is generated, which becomes visible on the Balance Sheet report in the Financial Plan section:
You can set the interest rate on this simulated loan in the Settings under the Assumptions tab. The interest will then be added annually to the loan balance:
The simulated loan will be paid down by excess cash flow in future years, before the excess cash flow is allowed to be used towards savings.