The 5 Numbers That Tell Me If My Retirement Is Working

Once the paycheck stops, how do you know whether your retirement plan is actually working? _________________________________________________________________________________________ 📊 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 share the five numbers I track every month in retirement. Together, these numbers help me understand whether we are spending intentionally, staying on our annual plan, maintaining enough available cash, managing our taxable income and MAGI, and remaining safely within our retirement guardrails. The five numbers I track are: 1. Monthly spending variance 2. Year-to-date spending 3. Available cash and cash runway 4. Projected taxes and MAGI 5. Our position within our retirement guardrails No single number tells the entire story. But together, they give me a practical retirement dashboard—and help me make decisions without worrying about what the stock market did today. Which of these numbers would you watch most closely? Let me know in the comments. 🔔 SUBSCRIBE TO SCOTT UNCLOCKED Follow my real-life journey after retiring at 54: https://www.youtube.com/@scottunclocked ▶️ WATCH NEXT My First Month Retired: Here’s What We Actually Spent https://www.youtube.com/watch?v=fJZxbRlVdY8 We Spent Less Than Expected in Our 2nd Month Retired https://www.youtube.com/watch?v=qlWH5KCTZGA The ACA Healthcare Subsidy Cliff Is Back—Don’t Make This Mistake https://www.youtube.com/watch?v=ikHnUfyDsWc ⏱️ CHAPTERS 0:00 Why retirement needs a new scoreboard 0:35 Number 1: Monthly spending variance 2:05