Why I Retired With an 80% Monte Carlo Score

My retirement plan had an 80% probability of success—which also meant a 1 in 5 chance of failure. Would you retire with those odds? I did. _________________________________________________________________________________________ 📊 PLAN YOUR RETIREMENT WITH BOLDIN I use Boldin to model retirement scenarios, spending, taxes, and other long-term financial decisions. If you want to build and test your own retirement plan, you can check it out here: https://go.boldin.com/scottunlocked Disclosure: This is an affiliate link. If you purchase a paid Boldin plan through my link, I may earn a commission at no additional cost to you. _________________________________________________________________________________________ In this video, I explain what my Monte Carlo score actually meant, why I didn’t wait for a 95% or 100% result, and how spending flexibility and risk-based guardrails gave me the confidence to retire at 54. An 80% score did not mean failure was inevitable. It meant that some simulated retirement paths would require me to make adjustments along the way. I also had to consider the risk on the other side of the decision. Working longer might have produced more money and a higher probability score—but it would also have cost me time during some of my healthiest retirement years. For me, the decision came down to more than a number: The math + the life I wanted + the ability to adjust = retiring at 54 Would you retire with an 80% probability of success, or would you keep working for a higher score? Let me know in the comments. RELATED VIDEOS The rule that helped me retire at 54: https://www.youtube.com/watch?v=-_q5Q1SeVDA The 4 questions I wish someone had asked me before I retired: https://www.youtube.com/watch?v=Ieqr9E9uxFw The best retirement decision I made wasn’t financial: https://www.youtube.com/watch?v=8fqOGIrhX9k What we actually spent during my first full month of retirement: https://www.youtube.com/watch?v=fJZxbRlVdY8 Subscribe to Scott Un