This is an excellent spreadsheet. Can I suggest going further with it?

By having the divisor as a 'header' input we should be able to automate the incrementing of the divisor by 1 after more losses than the divisor.
My understanding of the Retirement Plan is, for example, if your divisor is 3 then after 3 consecutive losses the divisor is increased to 4 and continues to increase after each loss.

Once we have achieved that then the next 2 items to include are the resetting of a divisor after a win and the increasing of the target after a certain value has been attained.

Looking good!