<prompt> Human: I was looking over some online retirement planners and came across one that took into account worse case scenarios Flexible Retirement Calculator. Demographics Current Age - 30 Retirement Age: 60 Death Age: 90 nbsp;Income Current Salary: 100k Retirement Salary: 85k nbsp;ContributionsReturns Current Portfolio Tax-DeferredTax-Exempt: 20k80k Annual Contributions Tax-DeferredTax-Exempt: 5k25k Average Rate of Return: 8, SD of 10 Average Inflation Rate: 3 nbsp;According to the calculator, I would only have a 90 chance of meeting my retirement goals starting with 100k in my retirement accounts at age 30 and contributing 30k annually. It seems dire when trying to examine these bottom scenarios. Im assuming future annual contributions of putting as much in Roth 401kRoth IRAHSA and employer match going into Traditional 401k.  <response>: Maybe its because of the retirement salary value? That seems very high. If you make 100k before taxes now, and save 30, that means your annual expenses are probably currently like 55k per year. Yet you are assuming 85k income in retirement, thats a significant raise, assuming most of that retirement income is spent. 