IF AND error

[mactoolsix]

I'm trying to make a simple SS where any income shortfall is covered by withdrawals from a personal investment account.
When Column V is < 0, I want to withdraw funds (column C ) to cover the shortfall.
The problem arises in cell C12. =IF(E11>-V12,-V12,0)

Roth Ladder.xlsx
	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V
10	2029	53	0	68,553	925,465	40,000	51,309	652,674	0	N/A	1,410	24,000	21,519	302,509			74,776	0		74,776	74,776	0
11	2030	54	0	74,037	999,502	40,000	52,214	664,888	0	N/A	1,410	24,000	25,161	351,670			77,020	0		77,020	77,020	0
12	2031	55	0	79,960	1,079,462	40,000	53,191	678,079	40,000	2026 Conv.	1,410	24,000	29,094	404,763				0		0	79,330	(79,330)
13	2032	56	81,710	86,357	1,084,109	40,000	54,246	692,325	40,000	2027 Conv.	1,410	24,000	33,341	462,104				81,710		81,710	81,710	0
Roth Ladder

Cell Formulas
Range	Formula
A10:B13	A10	=A9+1
C10:C11	C10	=IF(AND(V9<0,E9>U10),U10,0)
D10:D13	D10	=$D$2*E9
E10:E13,H10:H13	E10	=E9-C10+D10
F10:F13	F10	=F9
G10:G13	G10	=$G$2*H9
K10:K13	K10	=IF((F10-25900)*0.1>0,(F10-25900)*0.1,0)
L10:L13	L10	='Years to Retirement'!$K$5
M10:M13	M10	=$M$2*(N9+(0.5*L10))
N10:N13	N10	=N9+L10+M10
T10:T13	T10	=Q10+R10+S10
U10:U13	U10	=U9*(1+$U$2)
V10:V13	V10	=T10-U10
Q10:Q11	Q10	=(1+$U$2)*Q9
C12:C13	C12	=IF(E11>-V12,-V12,0)
I12:I13	I12	=F7
R10:R13	R10	=C10

 

[mactoolsix]

I should have included the column titles - sorry about that.

Roth Ladder.xlsx
	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V
1	Year	Age	Withdrawal All LT Gains	Growth (ROI)	Personal Investment Balance	Roth IRA Conversion	Roth IRA Growth	Roth IRA Balance	Roth IRA Withdrawal Amount	Source Of Funds	Taxes on Conversions	401K Cont.	401K Growth	IRA / 401K Balance	Factor	RMD	Other Income	From Savings & RMD	Social Security	Total Income	Living Expenses	Short / Over
2				8%	500,000		8%	450,000					8%	20,000							3%
10	2029	53	0	68,553	925,465	40,000	51,309	652,674	0	N/A	1,410	24,000	21,519	302,509			74,776	0		74,776	74,776	0
11	2030	54	0	74,037	999,502	40,000	52,214	664,888	0	N/A	1,410	24,000	25,161	351,670			77,020	0		77,020	77,020	0
12	2031	55	0	79,960	1,079,462	40,000	53,191	678,079	40,000	2026 Conv.	1,410	24,000	29,094	404,763				0		0	79,330	(79,330)
13	2032	56	81,710	86,357	1,084,109	40,000	54,246	692,325	40,000	2027 Conv.	1,410	24,000	33,341	462,104				81,710		81,710	81,710	0
14	2033	57	0	86,729	1,170,838	40,000	55,386	707,711	40,000	2028 Conv.	1,410	24,000	37,928	524,032				0		0	84,161	(84,161)
Roth Ladder

Cell Formulas
Range	Formula
T10:T14	T10	=Q10+R10+S10
U10:U14	U10	=U9*(1+$U$2)
V10:V14	V10	=T10-U10
K10:K14	K10	=IF((F10-25900)*0.1>0,(F10-25900)*0.1,0)
L10:L14	L10	='Years to Retirement'!$K$5
M10:M14	M10	=$M$2*(N9+(0.5*L10))
N10:N14	N10	=N9+L10+M10
A10:B14	A10	=A9+1
C10:C11	C10	=IF(AND(V9<0,E9>U10),U10,0)
D10:D14	D10	=$D$2*E9
E10:E14,H10:H14	E10	=E9-C10+D10
F10:F14	F10	=F9
G10:G14	G10	=$G$2*H9
Q10:Q11	Q10	=(1+$U$2)*Q9
C12:C14	C12	=IF(E11>-V12,-V12,0)
I12:I14	I12	=F7
R10:R14	R10	=C10