If you wish to lower your annual discretionary spending (in effect save more), you can create a bequest (Settings & Assumptions / Estate) and this will lower your annual discretionary spending.

A bequest ensures that the amount you indicate is available each year should you die in any given year. By default, term insurance is calculated, and entering a bequest may create a need for more term insurance to fund the bequest, especially in early years. If you set the program to not calculate insurance (Settings / Misc), the bequest will be funded by having you save more in regular assets and thus lower your discretionary spending as the program anticipates that end-of-life expense for the estate.

If the bequest is less than predicted housing equity, there will be no delta on your discretionary spending.  The assumption will be that the heir will liquidate the house and take that portion of the bequest.